ENB Financial (ENBP) 10-Q 14 May 20 2020 Q1 Quarterly report Financial data

Document and Entity Information

Document and Entity Information - shares	3 Months Ended
	Mar. 31, 2020	May 01, 2020
Document And Entity Information
Entity Registrant Name	ENB Financial Corp
Entity Central Index Key	0001437479
Document Type	10-Q
Document Period End Date	Mar. 31, 2020
Amendment Flag	false
Current Fiscal Year End Date	--12-31
Entity Filer Category	Non-accelerated Filer
Entity Small Business	true
Entity Emerging Growth Company	false
Entity Common Stock, Shares Outstanding		5,592,101
Document Fiscal Period Focus	Q1
Document Fiscal Year Focus	2020
Entity Shell Company	false
Entity Current Reporting Status	Yes
Entity Interactive Data Current	Yes
Entity Incorporation, State or Country Code	PA
Entity File Number	000-53297
Document Quarterly Report	true
Document Transition Report	false

CONSOLIDATED BALANCE SHEETS (UN

CONSOLIDATED BALANCE SHEETS (UNAUDITED) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019
ASSETS
Cash and due from banks	$ 14,346	$ 24,304	$ 17,957
Interest-bearing deposits in other banks	9,066	16,749	22,468
Total cash and cash equivalents	23,412	41,053	40,425
Securities available for sale (at fair value)	320,568	308,097	291,186
Equity securities (at fair value)	6,640	6,708	6,081
Loans held for sale	2,419	2,342	2,688
Loans (net of unearned income)	764,120	753,618	710,135
Less: Allowance for loan losses	9,803	9,447	8,886
Net loans	754,317	744,171	701,249
Premises and equipment	25,044	25,033	25,409
Regulatory stock	7,222	7,291	6,705
Bank owned life insurance	29,012	28,818	28,273
Other assets	9,362	8,237	10,182
Total assets	1,177,996	1,171,750	1,112,198
Deposits:
Noninterest-bearing	363,766	363,857	329,007
Interest-bearing	619,086	610,231	600,794
Total deposits	982,852	974,088	929,801
Short-term borrowings	3,500	200
Long-term debt	71,531	77,872	72,478
Other liabilities	3,607	2,902	3,061
Total liabilities	1,061,490	1,055,062	1,005,340
Stockholders' equity:
Common stock, par value $0.10 Shares: Authorized 24,000,000 Issued 5,739,114 and Outstanding 5,598,501 as of 3/31/20, 5,640,742 as of 12/31/19, and 5,694,452 as of 3/31/19	574	574	574
Capital surplus	4,476	4,482	4,438
Retained earnings	113,207	111,944	105,818
Accumulated other comprehensive income (loss) net of tax	1,103	1,600	(3,189)
Less: Treasury stock cost on 140,613 shares as of 3/31/20, 98,372 as of 12/31/19, and 44,662 as of 3/31/19	(2,854)	(1,912)	(783)
Total stockholders' equity	116,506	116,688	106,858
Total liabilities and stockholders' equity	$ 1,177,996	$ 1,171,750	$ 1,112,198

CONSOLIDATED BALANCE SHEETS (_2

CONSOLIDATED BALANCE SHEETS (UNAUDITED) (Parenthetical) - $ / shares	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019
Statement of Financial Position [Abstract]
Common stock, par value	$ 0.10	$ 0.10	$ 0.10
Common stock, authorized	24,000,000	24,000,000	24,000,000
Common stock, issued	5,739,114	5,739,114	5,739,114
Common stock, outstanding	5,598,501	5,640,742	5,694,452
Treasury shares	140,613	98,372	44,662

CONSOLIDATED STATEMENTS OF INCO

CONSOLIDATED STATEMENTS OF INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Interest and dividend income:
Interest and fees on loans	$ 8,452	$ 8,023
Interest on securities available for sale
Taxable	1,221	1,275
Tax-exempt	566	647
Interest on deposits at other banks	60	47
Dividend income	188	170
Total interest and dividend income	10,487	10,162
Interest expense:
Interest on deposits	809	824
Interest on borrowings	462	355
Total interest expense	1,271	1,179
Net interest income	9,216	8,983
Provision for loan losses	350	180
Net interest income after provision for loan losses	8,866	8,803
Other income:
Trust and investment services income	622	537
Service fees	679	630
Commissions	686	655
Gains on the sale of debt securities, net	282	81
(Losses) gains on equity securities, net	(230)	17
Gains on sale of mortgages	541	349
Earnings on bank-owned life insurance	206	178
Other income	(19)	97
Total other income	2,767	2,544
Operating expenses:
Salaries and employee benefits	5,696	5,188
Occupancy	591	630
Equipment	290	287
Advertising & marketing	274	250
Computer software & data processing	706	658
Shares tax	239	233
Professional services	623	475
Other expense	691	561
Total operating expenses	9,110	8,282
Income before income taxes	2,523	3,065
Provision for federal income taxes	358	462
Net income	$ 2,165	$ 2,603
Earnings per share of common stock	$ 0.38	$ 0.46
Weighted average shares outstanding	5,627,257	5,694,340

CONSOLIDATED STATEMENTS OF COMP

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Statement of Comprehensive Income [Abstract]
Net income	$ 2,165	$ 2,603
Securities available for sale not other-than-temporarily impaired:
Unrealized (losses) gains arising during the period	(349)	3,231
Income tax effect	75	(678)
Total	(274)	2,553
Gains recognized in earnings	(282)	(81)
Income tax effect	59	17
Total	(223)	(64)
Other comprehensive (loss) income, net of tax	(497)	2,489
Comprehensive Income	$ 1,668	$ 5,092

CONSOLIDATED STATEMENTS OF CHAN

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) - USD ($) $ in Thousands	Common Stock [Member]	Capital Surplus [Member]	Retained Earnings [Member]	Accumulated Other Comprehensive Income (Loss) [Member]	Treasury Stock [Member]	Total
Balance, beginning at Dec. 31, 2018	$ 574	$ 4,435	$ 104,067	$ (5,678)	$ (596)	$ 102,802
Net income			2,603			2,603
Other comprehensive income (loss) net of tax				2,489		2,489
Treasury stock purchased					(330)	(330)
Treasury stock issued		3			143	146
Cash dividends paid			(852)			(852)
Balance, ending at Mar. 31, 2019	574	4,438	105,818	(3,189)	(783)	106,858
Balance, beginning at Dec. 31, 2019	574	4,482	111,944	1,600	(1,912)	116,688
Net income			2,165			2,165
Other comprehensive income (loss) net of tax				(497)		(497)
Treasury stock purchased					(1,098)	(1,098)
Treasury stock issued		(6)			156	150
Cash dividends paid			(902)			(902)
Balance, ending at Mar. 31, 2020	$ 574	$ 4,476	$ 113,207	$ 1,103	$ (2,854)	$ 116,506

CONSOLIDATED STATEMENTS OF CH_2

CONSOLIDATED STATEMENTS OF CHANGES IN STOCKHOLDERS' EQUITY (UNAUDITED) (Parenthetical) - $ / shares	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Statement of Stockholders' Equity [Abstract]
Treasury stock purchased, shares	49,911	18,800
Treasury stock issued, shares	7,670	8,188
Cash dividends paid, per share	$ 0.16	$ 0.15

CONSOLIDATED STATEMENTS OF CASH

CONSOLIDATED STATEMENTS OF CASH FLOWS (UNAUDITED) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Cash flows from operating activities:
Net income	$ 2,165	$ 2,603
Adjustments to reconcile net income to net cash provided by operating activities:
Net amortization of securities premiums and discounts and loan fees	845	827
Amortization of operating leases right-of-use assets	44	43
Increase in interest receivable	(24)	(85)
Increase (decrease) in interest payable	(36)	58
Provision for loan losses	350	180
Gains on sale of debt securities, net	(282)	(81)
(Gain) loss on equity securities, net	230	(17)
Gains on sale of mortgages	(541)	(349)
Loans originated for sale	(14,037)	(9,026)
Proceeds from sales of loans	14,501	8,116
Earnings on bank-owned life insurance	(206)	(178)
Depreciation of premises and equipment and amortization of software	384	391
Deferred income tax	(143)	(94)
Other assets and other liabilities, net	(145)	(105)
Net cash provided by operating activities	3,105	2,283
Securities available for sale:
Proceeds from maturities, calls, and repayments	24,372	2,997
Proceeds from sales	27,409	10,246
Purchases	(65,490)	(7,970)
Purchase of regulatory bank stock	(570)	(550)
Redemptions of regulatory bank stock	639	193
Net increase in loans	(10,614)	(16,142)
Purchases of premises and equipment, net	(364)	(221)
Purchase of computer software	(1)	(29)
Net cash used for investing activities	(24,619)	(11,476)
Cash flows from financing activities:
Net increase in demand, NOW, and savings accounts	11,968	6,928
Net increase (decrease) in time deposits	(3,204)	3,139
Net (decrease) increase in short-term borrowings	3,300	(7,870)
Proceeds from long-term debt	10,000	11,562
Repayments of long-term debt	(16,341)	(4,470)
Dividends paid	(902)	(852)
Proceeds from sale of treasury stock	150	146
Treasury stock purchased	(1,098)	(330)
Net cash provided by financing activities	3,873	8,253
Decrease in cash and cash equivalents	(17,641)	(940)
Cash and cash equivalents at beginning of period	41,053	41,365
Cash and cash equivalents at end of period	23,412	40,425
Supplemental disclosures of cash flow information:
Interest paid	1,307	1,121
Income taxes paid
Supplemental disclosure of non-cash investing and financing activities:
Fair value adjustments for securities available for sale	631	(3,150)
Initial recognition of operating right-of-use assets		1,075
Initial recognition of operating lease liabilities		$ 1,075

Summary of Significant Accounti

Summary of Significant Accounting Policies	3 Months Ended
	Mar. 31, 2020
Accounting Policies [Abstract]
Summary of Significant Accounting Policies	1. Summary of Significant Accounting Policies Basis of Presentation The accompanying unaudited consolidated interim financial statements have been prepared in accordance with U.S. generally accepted accounting principles for interim financial information and to general practices within the banking industry. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all significant adjustments considered necessary for fair presentation have been included. Certain items previously reported have been reclassified to conform to the current period’s reporting format. Such reclassifications did not affect net income or stockholders’ equity. ENB Financial Corp (“the Corporation”) is the bank holding company for its wholly-owned subsidiary Ephrata National Bank (the “Bank”). This Form 10-Q, for the first quarter of 2020, is reporting on the results of operations and financial condition of ENB Financial Corp. Operating results for the three months ended March 31, 2020, are not necessarily indicative of the results that may be expected for the year ended December 31, 2020. For further information, refer to the consolidated financial statements and footnotes thereto included in ENB Financial Corp’s Annual Report on Form 10-K for the year ended December 31, 2019. Revenue from Contracts with Customers The Company records revenue from contracts with customers in accordance with Accounting Standards Topic 606, Revenue from Contracts with Customers (Topic 606). The Corporation’s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Corporation has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Corporation generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 that significantly affects the determination of the amount and timing of revenue from contracts with customers.

Securities Available for Sale

Securities Available for Sale	3 Months Ended
	Mar. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Securities Available for Sale	2. Securities Available for Sale The amortized cost, gross unrealized gains and losses, and fair value of securities held at March 31, 2020, and December 31, 2019, are as follows: Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ March 31, 2020 U.S. government agencies 10,378 152 (2 ) 10,528 U.S. agency mortgage-backed securities 60,464 1,107 (55 ) 61,516 U.S. agency collateralized mortgage obligations 55,834 907 (120 ) 56,621 Asset-backed securities 28,969 — (1,854 ) 27,115 Corporate bonds 64,429 188 (1,811 ) 62,806 Obligations of states and political subdivisions 99,098 3,096 (212 ) 101,982 Total securities available for sale 319,172 5,450 (4,054 ) 320,568 December 31, 2019 U.S. government agencies 32,621 31 (28 ) 32,624 U.S. agency mortgage-backed securities 48,859 215 (448 ) 48,626 U.S. agency collateralized mortgage obligations 60,124 323 (194 ) 60,253 Asset-backed securities 23,646 7 (391 ) 23,262 Corporate bonds 54,604 316 (40 ) 54,880 Obligations of states and political subdivisions 86,216 2,245 (9 ) 88,452 Total securities available for sale 306,070 3,137 (1,110 ) 308,097 The amortized cost and fair value of securities available for sale at March 31, 2020, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities due to certain call or prepayment provisions. CONTRACTUAL MATURITY OF DEBT SECURITIES (DOLLARS IN THOUSANDS) Amortized Cost Fair Value $ $ Due in one year or less 31,045 31,321 Due after one year through five years 122,474 122,000 Due after five years through ten years 45,499 45,029 Due after ten years 120,154 122,218 Total debt securities 319,172 320,568 Securities available for sale with a par value of $85,824,000 and $66,712,000 at March 31, 2020, and December 31, 2019, respectively, were pledged or restricted for public funds, borrowings, or other purposes as required by law. The fair value of these pledged securities was $90,733,000 at March 31, 2020, and $68,732,000 at December 31, 2019. Proceeds from active sales of securities available for sale, along with the associated gross realized gains and gross realized losses, are shown below. Realized gains and losses are computed on the basis of specific identification. PROCEEDS FROM SALES OF SECURITIES AVAILABLE FOR SALE (DOLLARS IN THOUSANDS) Three Months Ended March 31, 2020 2019 $ $ Proceeds from sales 27,409 10,246 Gross realized gains 297 96 Gross realized losses (15 ) (15 ) Management evaluates all of the Corporation’s securities for other than temporary impairment (OTTI) on a periodic basis. No securities in the portfolio had other-than-temporary impairment recorded in the first three months of 2020 or 2019. Information pertaining to securities with gross unrealized losses at March 31, 2020, and December 31, 2019, aggregated by investment category and length of time that individual securities have been in a continuous loss position follows: TEMPORARY IMPAIRMENTS OF SECURITIES (DOLLARS IN THOUSANDS) Less than 12 months More than 12 months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses $ $ $ $ $ $ As of March 31, 2020 U.S. government agencies 1,194 (2 ) — — 1,194 (2 ) U.S. agency mortgage-backed securities — — 5,794 (55 ) 5,794 (55 ) U.S. agency collateralized mortgage obligations 12,458 (106 ) 1,545 (14 ) 14,003 (120 ) Asset-backed securities 18,510 (1,145 ) 8,605 (709 ) 27,115 (1,854 ) Corporate bonds 39,679 (1,586 ) 2,812 (225 ) 42,491 (1,811 ) Obligations of states & political subdivisions 7,271 (212 ) — — 7,271 (212 ) Total temporarily impaired securities 79,112 (3,051 ) 18,756 (1,003 ) 97,868 (4,054 ) As of December 31, 2019 U.S. government agencies 1,222 (3 ) 15,971 (25 ) 17,193 (28 ) U.S. agency mortgage-backed securities 5,040 (32 ) 24,027 (416 ) 29,067 (448 ) U.S. agency collateralized mortgage obligations 17,457 (50 ) 17,512 (144 ) 34,969 (194 ) Asset-backed securities 10,278 (169 ) 9,126 (222 ) 19,404 (391 ) Corporate bonds 2,562 (4 ) 13,041 (36 ) 15,603 (40 ) Obligations of states & political subdivisions 2,642 (9 ) — — 2,642 (9 ) Total temporarily impaired securities 39,201 (267 ) 79,677 (843 ) 118,878 (1,110 ) In the debt security portfolio there were 62 positions that were carrying unrealized losses as of March 31, 2020. There were no instruments considered to be other-than-temporarily impaired at March 31, 2020. The Corporation evaluates fixed maturity positions for other-than-temporary impairment at least on a quarterly basis, and more frequently when economic and market concerns warrant such evaluation. U.S. generally accepted accounting principles provide for the bifurcation of OTTI into two categories: (a) the amount of the total OTTI related to a decrease in cash flows expected to be collected from the debt security (the credit loss), which is recognized in earnings, and (b) the amount of total OTTI related to all other factors, which is recognized, net of taxes, as a component of accumulated other comprehensive income.

Equity Securities

Equity Securities	3 Months Ended
	Mar. 31, 2020
Marketable Securities [Abstract]
Equity Securities	3. Equity Securities The following table summarizes the amortized cost, gross unrealized gains and losses, and fair value of equity securities held at March 31, 2020 and December 31, 2019. Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ March 31, 2020 CRA-qualified mutual funds 6,113 — — 6,113 Bank stocks 734 — (207 ) 527 Total equity securities 6,847 — (207 ) 6,640 Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2019 CRA-qualified mutual funds 6,071 — — 6,071 Bank stocks 614 26 (3 ) 637 Total equity securities 6,685 26 (3 ) 6,708 The following table presents the net gains and losses on the Corporation’s equity investments recognized in earnings during the three months ended March 31, 2020 and 2019, and the portion of unrealized gains and losses for the period that relates to equity investments held as of March 31, 2020 and 2019. NET GAINS AND LOSSES ON EQUITY INVESTMENTS RECOGNIZED IN EARNINGS (DOLLARS IN THOUSANDS) Three Months Ended March 31, 2020 March 31, 2019 $ $ Net gains (losses) recognized in equity securities during the period (230 ) 17 Less: Net gains realized on the sale of equity securities during the period — — Unrealized gains (losses) recognized in equity securities held at reporting date (230 ) 17

Loans and Allowance for Loan Lo

Loans and Allowance for Loan Losses	3 Months Ended
	Mar. 31, 2020
Receivables [Abstract]
Loans and Allowance for Loan Losses	4. Loans and Allowance for Loan Losses The following table presents the Corporation’s loan portfolio by category of loans as of March 31, 2020, and December 31, 2019: LOAN PORTFOLIO (DOLLARS IN THOUSANDS) March 31, December 31, 2020 2019 $ $ Commercial real estate Commercial mortgages 120,080 120,212 Agriculture mortgages 177,368 175,367 Construction 18,778 16,209 Total commercial real estate 316,226 311,788 Consumer real estate (a) 1-4 family residential mortgages 259,937 258,676 Home equity loans 10,741 9,770 Home equity lines of credit 68,633 70,809 Total consumer real estate 339,311 339,255 Commercial and industrial Commercial and industrial 63,670 58,019 Tax-free loans 16,582 16,388 Agriculture loans 20,733 20,804 Total commercial and industrial 100,985 95,211 Consumer 5,557 5,416 Gross loans prior to deferred fees 762,079 751,670 Deferred loan costs, net 2,041 1,948 Allowance for loan losses (9,803 ) (9,447 ) Total net loans 754,317 744,171 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $162,246,000 and $154,577,000 as of March 31, 2020, and December 31, 2019, respectively. The Corporation grades commercial credits differently than consumer credits. The following tables represent all of the Corporation’s commercial credit exposures by internally assigned grades as of March 31, 2020 and December 31, 2019. The grading analysis estimates the capability of the borrower to repay the contractual obligations under the loan agreements as scheduled. The Corporation's internal commercial credit risk grading system is based on experiences with similarly graded loans. The Corporation's internally assigned grades for commercial credits are as follows: · Pass – loans which are protected by the current net worth and paying capacity of the obligor or by the value of the underlying collateral. · Special Mention – loans where a potential weakness or risk exists, which could cause a more serious problem if not corrected. · Substandard – loans that have a well-defined weakness based on objective evidence and characterized by the distinct possibility that the Corporation will sustain some loss if the deficiencies are not corrected. · Doubtful – loans classified as doubtful have all the weaknesses inherent in a substandard asset. In addition, these weaknesses make collection or liquidation in full highly questionable and improbable, based on existing circumstances. · Loss – loans classified as a loss are considered uncollectible, or of such value that continuance as an asset is not warranted. COMMERCIAL CREDIT EXPOSURE CREDIT RISK PROFILE BY INTERNALLY ASSIGNED GRADE (DOLLARS IN THOUSANDS) March 31, 2020 Commercial Agriculture Construction Commercial Tax-free Agriculture Total $ $ $ $ $ $ $ Grade: Pass 117,329 160,221 18,778 57,634 16,582 18,671 389,215 Special Mention 818 4,133 — 842 — 836 6,629 Substandard 1,933 13,014 — 5,141 — 1,226 21,314 Doubtful — — — 53 — — 53 Loss — — — — — — — Total 120,080 177,368 18,778 63,670 16,582 20,733 417,211 December 31, 2019 Commercial Agriculture Construction Commercial Tax-free Agriculture Total $ $ $ $ $ $ $ Grade: Pass 117,875 158,896 16,209 52,028 16,388 18,530 379,926 Special Mention 827 4,546 — 618 — 939 6,930 Substandard 1,510 11,925 — 5,293 — 1,335 20,063 Doubtful — — — 80 — — 80 Loss — — — — — — — Total 120,212 175,367 16,209 58,019 16,388 20,804 406,999 Substandard loans increased by $1.2 million, or 6.0%, while special mention loans have declined minimally from December 31, 2019 to March 31, 2020. Substandard loans increased from $20.1 million to $21.3 million from December 31, 2019, to March 31, 2020 while special mention loans decreased from $6.9 million to $6.6 million during this same period. During the first quarter of 2020, agricultural dairy loans amounting to $2.0 million to two separate borrowers were downgraded to substandard. Of that $2.0 million, $1.0 million was downgraded from special mention to substandard. Additionally, two residential mortgages totaling $1.2 million were downgraded to substandard. For consumer loans, the Corporation evaluates credit quality based on whether the loan is considered performing or non-performing. Non-performing loans consist of those loans greater than 90 days delinquent and nonaccrual loans. The following tables present the balances of consumer loans by classes of the loan portfolio based on payment performance as of March 31, 2020 and December 31, 2019: CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) March 31, 2020 1-4 Family Home Equity Home Equity Consumer Total Payment performance: $ $ $ $ $ Performing 259,318 10,649 68,623 5,547 344,137 Non-performing 619 92 10 10 731 Total 259,937 10,741 68,633 5,557 344,868 December 31, 2019 1-4 Family Home Equity Home Equity Consumer Total Payment performance: $ $ $ $ $ Performing 257,374 9,678 70,799 5,412 343,263 Non-performing 1,302 92 10 4 1,408 Total 258,676 9,770 70,809 5,416 344,671 The following tables present an age analysis of the Corporation’s past due loans, segregated by loan portfolio class, as of March 31, 2020 and December 31, 2019: AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Greater 30-59 Days 60-89 Days than 90 Total Past Total Loans March 31, 2020 Past Due Past Due Days Due Current Receivable $ $ $ $ $ $ Commercial real estate Commercial mortgages 121 — 227 348 119,732 120,080 Agriculture mortgages 1,154 — 1,046 2,200 175,168 177,368 Construction — — — — 18,778 18,778 Consumer real estate 1-4 family residential mortgages 1,029 186 619 1,834 258,103 259,937 Home equity loans 28 3 92 123 10,618 10,741 Home equity lines of credit 9 — 10 19 68,614 68,633 Commercial and industrial Commercial and industrial — — 534 534 63,136 63,670 Tax-free loans — — — — 16,582 16,582 Agriculture loans — — — — 20,733 20,733 Consumer 26 10 10 46 5,511 5,557 Total 2,367 199 2,538 5,104 756,975 762,079 AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Greater 30-59 Days 60-89 Days than 90 Total Past Total Loans December 31, 2019 Past Due Past Due Days Due Current Receivable $ $ $ $ $ $ Commercial real estate Commercial mortgages — — 228 228 119,984 120,212 Agriculture mortgages 962 — 1,070 2,032 173,335 175,367 Construction — — — — 16,209 16,209 Consumer real estate 1-4 family residential mortgages 2,254 161 1,302 3,717 254,959 258,676 Home equity loans 52 — 92 144 9,626 9,770 Home equity lines of credit 43 — 10 53 70,756 70,809 Commercial and industrial Commercial and industrial 68 — 538 606 57,413 58,019 Tax-free loans — — — — 16,388 16,388 Agriculture loans 2 — — 2 20,802 20,804 Consumer 14 12 4 30 5,386 5,416 Total 3,395 173 3,244 6,812 744,858 751,670 The following table presents nonaccrual loans by classes of the loan portfolio as of March 31, 2020 and December 31, 2019: NONACCRUAL LOANS BY LOAN CLASS (DOLLARS IN THOUSANDS) March 31, December 31, 2020 2019 $ $ Commercial real estate Commercial mortgages 227 228 Agriculture mortgages 1,046 1,070 Construction — — Consumer real estate 1-4 family residential mortgages 493 495 Home equity loans 92 92 Home equity lines of credit — — Commercial and industrial Commercial and industrial 534 538 Tax-free loans — — Agriculture loans — — Consumer — — Total 2,392 2,423 As of March 31, 2020 and December 31, 2019, all of the Corporation’s commercial loans on nonaccrual status were also considered impaired. Information with respect to impaired loans for the three months ended March 31, 2020 and March 31, 2019, is as follows: IMPAIRED LOANS (DOLLARS IN THOUSANDS) Three Months Ended March 31, 2020 2019 $ $ Average recorded balance of impaired loans 3,937 2,697 Interest income recognized on impaired loans 35 11 There were no loan modifications made during the first quarter of 2020. There was one loan modification that occurred during the first quarter of 2019, constituting a troubled debt restructuring (TDR). A modification of the payment terms to a loan customer are considered a TDR if a concession was made to a borrower that is experiencing financial difficulty. A concession is generally defined as more favorable payment or credit terms granted to a borrower in an effort to improve the likelihood of the lender collecting principal in its entirety. Concessions usually are in the form of interest only for a period of time, or a lower interest rate offered in an effort to enable the borrower to continue to make normally scheduled payments. In the first quarter of 2019, a loan modification was made on a $718,000 agricultural mortgage which moved the timing of the annual principal payment and changed interest payments from monthly to annually. The farmer had suffered a fire loss in late 2018 impacting one year’s harvest. The principal and interest payment due date was reset to November 15, 2019, when it was paid. No other loans were modified during 2019. Included in the impaired loan portfolio are three loans that are being reported as TDRs. The balance of these three TDR loans was $1,949,000 as of March 31, 2020. One of these TDR loans with a balance of $439,000 is also on nonaccrual and is included under agricultural mortgages shown in the nonaccrual table above. For both of these TDR loans the borrowers have a history of being delinquent. Management will continue to report these loans as TDR loans until they have been paid off or charged off. The following tables summarize information regarding impaired loans by loan portfolio class as of March 31, 2020, and December 31, 2019: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) March 31, 2020 Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 720 763 — 723 — Agriculture mortgages 1,879 1,909 — 1,894 24 Construction — — — — — Total commercial real estate 2,599 2,672 — 2,617 24 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with no related allowance 2,599 2,672 — 2,617 24 With an allowance recorded: Commercial real estate Commercial mortgages 92 100 49 92 — Agriculture mortgages 677 677 12 692 5 Construction — — — — — Total commercial real estate 769 777 61 784 5 Commercial and industrial Commercial and industrial 534 549 53 536 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 534 549 53 536 — Total with a related allowance 1,303 1,326 114 1,320 5 Total by loan class: Commercial real estate Commercial mortgages 812 863 49 815 — Agriculture mortgages 2,556 2,586 12 2,586 29 Construction — — — — — Total commercial real estate 3,368 3,449 61 3,401 29 Commercial and industrial Commercial and industrial 534 549 53 536 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 534 549 53 536 — Total 3,902 3,998 114 3,937 29 IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) December 31, 2019 Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 724 765 — 859 — Agriculture mortgages 1,912 1,928 — 1,903 43 Construction — — — — — Total commercial real estate 2,636 2,693 — 2,762 43 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with no related allowance 2,636 2,693 — 2,762 43 With an allowance recorded: Commercial real estate Commercial mortgages 92 100 49 93 — Agriculture mortgages 718 718 60 760 — Construction — — — — — Total commercial real estate 810 818 109 853 — Commercial and industrial Commercial and industrial 538 549 80 261 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 538 549 80 261 — Total with a related allowance 1,348 1,367 189 1,114 — Total by loan class: Commercial real estate Commercial mortgages 816 865 49 952 — Agriculture mortgages 2,630 2,646 60 2,663 43 Construction — — — — — Total commercial real estate 3,446 3,511 109 3,615 43 Commercial and industrial Commercial and industrial 538 549 80 261 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 538 549 80 261 — Total 3,984 4,060 189 3,876 43 The following table details activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2020: ALLOWANCE FOR CREDIT LOSSES (DOLLARS IN THOUSANDS) Commercial Consumer Commercial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance - December 31, 2019 4,319 2,855 1,784 41 448 9,447 Charge-offs — — — (6 ) — (6 ) Recoveries 11 — 1 — — 12 Provision 252 296 171 21 (390 ) 350 Balance - March 31, 2020 4,582 3,151 1,956 56 58 9,803 During the three months ended March 31, 2020, management charged off $6,000 in loans while recovering $12,000 and added $350,000 to the provision. The unallocated portion of the allowance decreased from 4.7% of total reserves as of December 31, 2019, to 0.6% as of March 31, 2020. Management monitors the unallocated portion of the allowance with a desire to maintain it at approximately 5% over the long term, with a requirement of it not to exceed 10%. During the three months ended March 31, 2020, net provision expense was recorded for all sectors. The higher provision was primarily caused by increasing the qualitative factors across all industry lines to various degrees as a result of the impact from COVID-19. A qualitative factor was increased for business loans specifically related to the special federal governmental lending programs developed as a result of COVID-19. There were minimal charge-offs and recoveries recorded during the three months ended March 31, 2020, so the provision expense was primarily related to this change in economic conditions and potential for credit declines moving forward. The total amount of substandard loans at the end of the first quarter of 2020 was slightly higher resulting in slightly more provision expense. As of March 31, 2020, the Corporation’s total delinquencies were 0.67%, a decline from 0.91% at December 31, 2019. The Corporation’s total delinquencies continue to compare favorably to the national uniform bank performance group, which was at 1.05% as of December 31, 2019. The Corporation reduced one qualitative factor for residential mortgages in the first quarter of 2020; this factor had been increased in the fourth quarter of 2019 because of higher delinquency. However, mortgage loan delinquency declined in the first quarter of 2020. Delinquency among agriculture loans, excluding loans to dairy farmers, has continued to increase, and ended at 2.32% at March 31, 2020. A total of six agriculture loans were delinquent at this time. Outside of the above measurements and indicators, management continues to utilize nine qualitative factors to continually refine the potential credit risks across the Corporation’s various loan types. In addition, the loan portfolio is sectored out into nine different categories to evaluate these qualitative factors. A total score of the qualitative factors for each loan sector is calculated to utilize in the allowance for loan loss calculation. The agricultural dairy sector carries the highest level of qualitative factors due to the long-term weakness in milk prices. While the dairy market had improved recently, COVID-19 caused a sharp decline in milk prices. T ALLOWANCE FOR CREDIT LOSSES (DOLLARS IN THOUSANDS) Commercial Consumer Commercial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance - December 31, 2018 4,296 2,408 1,428 102 432 8,666 Charge-offs — — — (17 ) — (17 ) Recoveries 44 — 13 — — 57 Provision 148 (140 ) 128 16 28 180 Balance - March 31, 2019 4,488 2,268 1,569 101 460 8,886 During the three months ended March 31, 2019, management charged off $17,000 in loans while recovering $57,000 and added $180,000 to the provision. The growth in the loan portfolio was primarily responsible for the $180,000 of additional provision. During the three months ended March 31, 2019, provision expenses were primarily recorded for the commercial real estate and commercial and industrial segments, while a credit provision was recorded in the consumer real estate segment due to very low historical loss experience. In the two quarters prior to the first quarter of 2019, management had adjusted the qualitative factors across the loan portfolio to better reflect the forward risk in each loan segment. This resulted in more provision expense being allocated to commercial real estate loans and less to residential real estate loans. While the Corporation had been experiencing more residential real estate growth than commercial real estate growth, when the performance of these respective borrowers declines, the potential for loan losses is more pronounced with commercial real estate loans. The impact of negative economic events is more volatile with commercial real estate loans. Supporting this conclusion, the Corporation’s level of delinquencies remained higher with commercial real estate loans than residential real estate loans. The Corporation’s commercial real estate and commercial and industrial loan provision allocations are also influenced by the levels of classified loans. For both of these categories the level of classified loans increased significantly since December 31, 2018, with commercial real estate increasing 31.7% and commercial and industrial increasing over four fold, but on a much smaller loan segment. This is what caused the Corporation to allocate $148,000 of provision expense to commercial real estate and $128,000 to commercial and industrial, while reducing consumer real estate by $140,000. The smallest out of all the loan segments is the unsecured consumer loan segment, where the $16,000 provision allocation was nearly a match to the $17,000 of consumer charge-offs that occurred in the first quarter of 2019. The following tables present the balance in the allowance for credit losses and the recorded investment in loans receivable by portfolio segment based on impairment method as of March 31, 2020 and December 31, 2019: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) As of March 31, 2020: Commercial Real Consumer Commercial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Ending balance: individually evaluated for impairment 61 — 53 — — 114 Ending balance: collectively evaluated for impairment 4,521 3,151 1,903 56 58 9,689 Loans receivable: Ending balance 316,226 339,311 100,985 5,557 762,079 Ending balance: individually evaluated for impairment 3,368 — 534 — 3,902 Ending balance: collectively evaluated for impairment 312,858 339,311 100,451 5,557 758,177 As of December 31, 2019: Commercial Real Consumer Commercial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Ending balance: individually evaluated for impairment 109 — 80 — — 189 Ending balance: collectively evaluated for impairment 4,210 2,855 1,704 41 448 9,258 Loans receivable: Ending balance 311,788 339,255 95,211 5,416 751,670 Ending balance: individually evaluated for impairment 3,446 — 538 — 3,984 Ending balance: collectively evaluated for impairment 308,342 339,255 94,673 5,416 747,686 COVID-19 Loan Forbearance Programs As of March 31, 2020, over 105 of the Corporation’s customers had requested payment deferrals or payments of interest only on loans totaling $17.4 million. In accordance with interagency guidance issued in March 2020, these short-term deferrals are not considered troubled debt restructurings (TDRs) unless the borrower was previously experiencing financial difficulty. In addition, the risk-rating on COVID-19 modified loans did not change, and these loans will not be considered past due until after the deferral period is over and scheduled payments resume. The credit quality of these loans will be reevaluated after the deferral period ends. Through April 30, 2020, the Corporation has modified an additional 150 loans totaling $46.6 million, which are primarily commercial loans. Therefore, including the loans modified in March, a total of $64.0 million of loans have had payments deferred under the COVID-19 guidance. Of the $64.0 million of loan balances with payments being deferred, $52.6 million, or 82.2% were in the form of commercial or agricultural loan deferments, with vast majority of these commercial loan deferrals. The remaining $11.4 million of loan balances with payments being deferred were in the form of residential mortgage deferrals. Nearly all of the COVID-19 loan payment deferrals were for a 90-day period. As of March 31, 2010, the Corporation’s delinquent, non-performing, and impaired loans were not yet materially impacted by the rapidly declining economic conditions brought on by COVID-19. However, due to the magnitude of this economic interruption, management does anticipate that these levels will rise in the second quarter of 2020, and will likely show further deterioration as the year progresses, depending on the length of time business operations are curtailed or limited and the amount of time it takes for consumer confidence to rebuild and engage into increased purchasing activities. Therefore, it is likely the Corporation’s provision for loan losses would also increase over the next several quarters should the level of these credit measurements increase.

Fair Value Presentation

Fair Value Presentation	3 Months Ended
	Mar. 31, 2020
Fair Value Disclosures [Abstract]
Fair Value Presentation	5. Fair Value Presentation U.S. generally accepted accounting principles establish a hierarchal disclosure framework associated with the level of observable pricing utilized in measuring assets and liabilities at fair value. The three broad levels defined by the hierarchy are as follows: Level I: Quoted prices are available in active markets for identical assets or liabilities as of the reported date. Level II: Pricing inputs are other than the quoted prices in active markets, which are either directly or indirectly observable as of the reported date. The nature of these assets and liabilities includes items for which quoted prices are available but traded less frequently and items that are fair-valued using other financial instruments, the parameters of which can be directly observed. Level III: Assets and liabilities that have little to no observable pricing as of the reported date. These items do not have two-way markets and are measured using management’s best estimate of fair value, where the inputs into the determination of fair value require significant management judgment or estimation. The following tables provide the fair market value for assets required to be measured and reported at fair value on a recurring basis on the Consolidated Balance Sheets as of March 31, 2020, and December 31, 2019, by level within the fair value hierarchy. As required by U.S. generally accepted accounting principles, financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. ASSETS MEASURED ON A RECURRING BASIS (DOLLARS IN THOUSANDS) March 31, 2020 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 10,528 — 10,528 U.S. agency mortgage-backed securities — 61,516 — 61,516 U.S. agency collateralized mortgage obligations — 56,621 — 56,621 Asset-backed securities — 27,115 — 27,115 Corporate bonds — 62,806 — 62,806 Obligations of states & political subdivisions — 101,982 — 101,982 Equity securities 6,640 — — 6,640 Total securities 6,640 320,568 — 327,208 On March 31, 2020, the Corporation held no securities valued using level III inputs. All of the Corporation’s debt instruments were valued using level II inputs, where quoted prices are available and observable, but not necessarily quotes on identical securities traded in active markets on a daily basis. The Corporation’s CRA fund investments and bank stocks are fair valued utilizing level I inputs because the funds have their own quoted prices in an active market. As of March 31, 2020, the CRA fund investments had a $6,113,000 book and fair market value and the bank stock portfolio had a book value of $734,000, and fair market value of $528,000. Financial instruments are considered level III when their values are determined using pricing models, discounted cash flow methodologies, or similar techniques, and at least one significant model assumption or input is unobservable. In addition to these unobservable inputs, the valuation models for level III financial instruments typically also rely on a number of inputs that are readily observable either directly or indirectly. Level III financial instruments also include those for which the determination of fair value requires significant management judgment or estimation. ASSETS MEASURED ON A RECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2019 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 32,624 — 32,624 U.S. agency mortgage-backed securities — 48,626 — 48,626 U.S. agency collateralized mortgage obligations — 60,253 — 60,253 Asset-backed securities — 23,262 — 23,262 Corporate bonds — 54,880 — 54,880 Obligations of states & political subdivisions — 88,452 — 88,452 Equity securities 6,708 — — 6,708 Total securities 6,708 308,097 — 314,805 On December 31, 2019, the Corporation held no securities valued using level III inputs. All of the Corporation’s debt instruments were valued using level II inputs, where quoted prices are available and observable but not necessarily quotes on identical securities traded in active markets on a daily basis. The Corporation’s CRA fund investments and bank stocks are fair valued utilizing level I inputs because the funds have their own quoted prices in an active market. As of December 31, 2019, the CRA fund investments had a $6,071,000 book and market value and the bank stocks had a book value of $614,000 and a market value of $637,000. The following tables provide the fair value for each class of assets required to be measured and reported at fair value on a nonrecurring basis on the Consolidated Balance Sheets as of March 31, 2020 and December 31, 2019, by level within the fair value hierarchy: ASSETS MEASURED ON A NONRECURRING BASIS ( Dollars in Thousands March 31, 2020 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ — $ — $ 3,788 $ 3,788 Total $ — $ — $ 3,788 $ 3,788 December 31, 2019 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ — $ — $ 3,795 $ 3,795 Total $ — $ — $ 3,795 $ 3,795 The Corporation had a total of $3,902,000 of impaired loans as of March 31, 2020, with $114,000 of specific allocation against these loans and $3,984,000 of impaired loans as of December 31, 2019, with $189,000 of specific allocation against these loans. The value of impaired loans is generally determined through independent appraisals of the underlying collateral. The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis for which the Corporation has utilized level III inputs to determine fair value: QUANTITATIVE INFORMATION ABOUT LEVEL III FAIR VALUE MEASUREMENTS (DOLLARS IN THOUSANDS) March 31, 2020 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 3,788 Appraisal of Appraisal -20% (-20%) collateral (1) adjustments (2) Liquidation -10% (-10%) expenses (2) December 31, 2019 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 3,795 Appraisal of Appraisal -20% (-20%) collateral (1) adjustments (2) Liquidation -10% (-10%) expenses (2) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level III inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal. The following table provides the carrying amount for each class of assets and liabilities and the fair value for certain financial instruments that are not required to be measured or reported at fair value on the Consolidated Balance Sheets as of March 31, 2020 and December 31, 2019:

FINANCIAL INSTRUMENTS NOT REQUI

FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE	3 Months Ended
	Mar. 31, 2020
Fair Value Disclosures [Abstract]
FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE	FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) March 31, 2020 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 23,412 23,412 23,412 — — Regulatory stock 7,222 7,222 7,222 — — Loans held for sale 2,419 2,419 2,419 — — Loans, net of allowance 754,317 759,337 — — 759,337 Mortgage servicing assets 691 691 — — 691 Accrued interest receivable 3,792 3,792 3,792 — — Bank owned life insurance 29,012 29,012 29,012 — — Financial Liabilities: Demand deposits 363,766 363,766 363,766 — — Interest-bearing demand deposits 28,479 28,479 28,479 — — NOW accounts 95,604 95,604 95,604 — — Money market deposit accounts 140,781 140,781 140,781 — — Savings accounts 222,241 222,241 222,241 — — Time deposits 131,981 135,159 — — 135,159 Total deposits 982,852 986,030 850,871 — 135,159 Short-term borrowings 3,500 3,500 3,500 — — Long-term debt 71,531 68,375 — — 68,375 Accrued interest payable 485 485 485 — — FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2019 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 41,053 41,053 41,053 — — Regulatory stock 7,291 7,291 7,291 — — Loans held for sale 2,342 2,342 2,342 — — Loans, net of allowance 744,171 759,011 — — 759,011 Mortgage servicing assets 892 1,049 — — 1,049 Accrued interest receivable 3,768 3,768 3,768 — — Bank owned life insurance 28,818 28,818 28,818 — — Financial Liabilities: Demand deposits 363,857 363,857 363,857 — — Interest-bearing demand deposits 25,171 25,171 25,171 — — NOW accounts 96,941 96,941 96,941 — — Money market deposit accounts 141,649 141,649 141,649 — — Savings accounts 211,285 211,285 211,285 — — Time deposits 135,185 136,781 — — 136,781 Total deposits 974,088 975,684 838,903 — 136,781 Short-term borrowings 200 200 200 — — Long-term debt 77,872 76,825 — — 76,825 Accrued interest payable 521 521 521 — —

Commitments and Contingent Liab

Commitments and Contingent Liabilities	3 Months Ended
	Mar. 31, 2020
Commitments and Contingencies Disclosure [Abstract]
Commitments and Contingent Liabilities	7. Commitments and Contingent Liabilities In order to meet the financing needs of its customers in the normal course of business, the Corporation makes various commitments that are not reflected in the accompanying consolidated financial statements. These commitments include firm commitments to extend credit, unused lines of credit, and open letters of credit. As of March 31, 2020, firm loan commitments were $69.7 million, unused lines of credit were $276.1 million, and open letters of credit were $8.7 million. The total of these commitments was $354.5 million, which represents the Corporation’s exposure to credit loss in the event of nonperformance by its customers with respect to these financial instruments. The actual credit losses that may arise from these commitments are expected to compare favorably with the Corporation’s loan loss experience on its loan portfolio taken as a whole. The Corporation uses the same credit policies in making commitments and conditional obligations as it does for balance sheet financial instruments.

Accumulated Other Comprehensive

Accumulated Other Comprehensive Income (Loss)	3 Months Ended
	Mar. 31, 2020
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Accumulated Other Comprehensive Income (Loss)	8. Accumulated Other Comprehensive Income (Loss) The activity in accumulated other comprehensive income (loss) for the three months ended March 31, 2020 and 2019 is as follows: ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (1) (2) (DOLLARS IN THOUSANDS) Unrealized Gains (Losses) on Securities Available-for-Sale $ Balance at December 31, 2019 1,600 Other comprehensive loss before reclassifications (274 ) Amount reclassified from accumulated other comprehensive income (loss) (223 ) Period change (497 ) Balance at March 31, 2020 1,103 Balance at December 31, 2018 (5,678 ) Other comprehensive income before reclassifications 2,553 Amount reclassified from accumulated other comprehensive income (loss) (64 ) Period change 2,489 Balance at March 31, 2019 (3,189 ) (1) All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 21%. (2) Amounts in parentheses indicate debits. DETAILS ABOUT ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) COMPONENTS (1) (DOLLARS IN THOUSANDS) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Three Months Ended March 31, 2020 2019 Affected Line Item in the $ $ Consolidated Statements of Income Securities available-for-sale: Net securities gains, 282 81 Gains on the sale of reclassified into earnings debt securities, net Related income tax expense (59) (17) Provision for federal income taxes Net effect on accumulated other comprehensive income (loss) for the period 223 64 (1) Amounts in parentheses indicate debits.

Leases

Leases	3 Months Ended
	Mar. 31, 2020
Leases [Abstract]
Leases	9. Leases A lease is defined as a contract, or part of a contract, that conveys the right to control the use of identified property, plant or equipment for a period of time in exchange for consideration. On January 1, 2019, the Corporation adopted ASU No. 2016-02 “Leases” (Topic 842) and all subsequent ASUs that modified Topic 842. For the Corporation, Topic 842 primarily affected the accounting treatment for operating lease agreements in which the Corporation is the lessee. All of these leases in which the Corporation is the lessee are comprised of real estate property for branches and office space with terms extending through 2026. All of the Corporation’s leases are classified as operating leases, and therefore, were previously not recognized on the Corporation’s Consolidated Balance Sheets. With the adoption of Topic 842, operating lease agreements are required to be recognized on the Consolidated Balance Sheets as a right-of use (“ROU”) asset and a corresponding lease liability. The following table represents the Consolidated Balance Sheet classification of the Corporation’s ROU assets and lease liabilities. Lease Consolidated Balance Sheets Classification (Dollars in Thousands) Classification March 31, 2020 Lease Right-of-Use Assets Operating lease right-of use assets Other Assets $ 864 Lease Liabilities Operating lease liabilties Other Liabilities $ 872 The calculated amount of the ROU assets and lease liabilities in the table above are impacted by the length of the lease term and the discount rate used to determine the present value of the minimum lease payments. The Corporation’s lease agreements often include one or more options to renew at the Corporation’s discretion. If at lease inception, the Corporation considers the exercising of a renewal option to be reasonably certain, the Corporation will include the extended term in the calculation of the ROU asset and lease liability. Regarding the discount rate, Topic 842 requires the use of the rate implicit in the lease whenever this rate is readily determinable. As the rate is rarely determinable, the Corporation utilizes its incremental borrowing rate at lease inception, on a collateralized basis, over a similar term. For operating leases existing prior to January 1, 2019, the rate for the remaining lease term as of January 1, 2019 was used. March 31, 2020 Weighted-average remaining lease term Operating leases 5.1 years Weighted-average discount rate Operating leases 3.09 % The following table represents lease costs and other lease information. As the Corporation elected, for all classes of underlying assets, not to separate lease and non-lease components and instead to account for them as a single lease component, the variable lease cost primarily represents variable payments such as common area maintenance and utilities. Future minimum payments for operating leases with initial or remaining terms of one year or more as of March 31, 2020 were as follows: Lease Payment Schedule (Dollars in Thousands) Operating Leases Twelve Months Ended: March 31, 2021 $ 202 March 31, 2022 206 March 31, 2023 155 March 31, 2024 154 March 31, 2025 155 Thereafter 74 Total Future Minimum Lease Payments 946 Amounts Representing Interests (74 ) Present Value of Net Future Minimum Lease Payments $ 872

Change in Capital Structure

Change in Capital Structure	3 Months Ended
	Mar. 31, 2020
Stockholders' Equity Note [Abstract]
Change in Capital Structure	10. Change in Capital Structure On April 17, 2019 ENB Financial Corp announced the Board of Directors declared a two-for-one stock split of the Corporation’s issued and outstanding common stock pursuant to which one (1) additional share of common stock was issued for each share of common stock held by shareholders of record as of the close of business on May 31, 2019. The additional shares were issued on June 28, 2019. The stock split was effected pursuant to articles of amendment to the articles of incorporation to reduce the par value of the common stock from $0.20 to $0.10 and increase the authorized shares of common stock proportionately from 12,000,000 to 24,000,000. Per share data reflected on the Corporation’s consolidated statements of income are restated as if the stock split had occurred at the beginning of the earliest period presented.

Subsequent Events

Subsequent Events	3 Months Ended
	Mar. 31, 2020
Subsequent Events [Abstract]
Subsequent Events	11. Subsequent Events Paycheck Protection Program (PPP) The Coronavirus Aid, Relief, and Economic Security Act, or CARES Act, was signed into law on March 27, 2020, and provides over $2 trillion in economic relief to individuals and businesses impacted by the COVID-19 pandemic. The CARES Act authorized the Small Business Administration (SBA) to temporarily guarantee loans under a new 7(a) loan program called the Paycheck Protection Program (PPP). As a qualified SBA lender, the Corporation was authorized to originate PPP loans. In terms of qualifying for a PPP loan, an eligible business can apply for a PPP loan up to the greater of: (1) 2.5 times its average monthly payroll costs; or (2) $10 million. The PPP loans have the following terms: (a) an interest rate of 1.0%, (b) a two-year loan term to maturity; and (c) principal and interest payments deferred for six months from the date of disbursement. The SBA will guarantee 100% of the PPP loans made to eligible borrowers. The entire principal amount of the PPP loan, including any accrued interest, is eligible to be reduced by the amount of loan forgiveness available under the PPP, provided the employee and compensation levels of the business are maintained and 75% of the loan proceeds are used for payroll expenses, with the remaining 25% of the loan proceeds used for other qualifying expenses such as utilities. In the initial CARES Act, $349 billion of funds were made available for PPP loans. This amount was fully exhausted prior to the end of April. Congress then passed an additional allocation of funds for the PPP loans, allowing a second round of applications to begin. As of April 30, 2020, the Corporation had approved and originated 618 PPP loans totaling $68,848,000. Management’s focus has been to serve the customers and market area that the Corporation serves. Management believes the Corporation’s total PPP loan funding will reach $78.0 million when the second round of PPP funding is exhausted. In accordance with the SBA terms and conditions on these PPP loans, the Corporation expects to receive approximately $3.1 million in fees associated with the processing of these loans. The Corporation is awaiting guidance from the SBA on how to submit the required reporting to support the amount of fee income expected to be received. It is anticipated that this reporting will occur in June of 2020, followed by a period of time to process this reporting. When the Corporation does eventually receive this fee income it will be deferred over the expected life of the loans. To this regard, the financial community is also waiting on further accounting guidance as to how this fee income will be recognized. While the PPP loans have a two-year maturity, it is expected that the vast majority of these PPP borrowers will provide the necessary support in order to have their principal balances forgiven in a period of time significantly shorter than the two-year life of the loan.

Recently Issued Accounting Stan

Recently Issued Accounting Standards	3 Months Ended
	Mar. 31, 2020
Accounting Standards Update and Change in Accounting Principle [Abstract]
Recently Issued Accounting Standards	12. Recently Issued Accounting Standards In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses: Measurement of Credit Losses on Financial Instruments Financial Instruments – Credit Losses In August 2018, the FASB issued ASU 2018-13, Fair Value Measurement (Topic 820): Disclosure Framework – Changes the Disclosure Requirements for Fair Value Measurements In April 2019, the FASB issued ASU 2019-04, Codification Improvements to Topic 326, Financial Instruments – Credit Losses, Topic 815, Derivatives and Hedging, and Topic 825, Financial Instruments, Topic 326, Financial Instruments – Credit Losses Financial Instruments – Credit Losses Topic 815, Derivatives and Hedging Topic 825, Financial Instruments In May 2019, the FASB issued ASU 2019-05, Financial Instruments – Credit Losses, Topic 326 Financial Instruments – Credit Losses In July 2019, the FASB issued ASU 2019-07, Codification Updates to SEC Sections, Amendments to SEC Paragraphs Pursuant to SEC Final Rule Releases No. 33-10532, Disclosure Update and Simplification, and Nos. 33-10231 and 33-10442, Investment Company Reporting Modernization, and Miscellaneous Updates. Disclosure Update and Simplification Investment Company Reporting Modernization In November 2019, the FASB issued ASU 2019-11, Codification Improvements to Topic 326, Financial Instruments – Credit Losses In December 2019, the FASB issued ASU 2019-12, Income Taxes (Topic 740) In January 2020, the FASB issued ASU 2020-2, Financial Instruments – Credit Losses (Topic 326) and Leases (Topic 842): Amendments to SEC Paragraphs Pursuant to SEC Staff Accounting Bulletin No. 119 and Update to SEC Section on Effective Date Related to Accounting Standards Update No. 2016-02, Leases (Topic 842), February 2020 In March 2020, the FASB issued ASU 2020-3 , Codification Improvements to Financial Instruments. Financial Instruments In January 2020, the FASB issued ASU 2020-4, Reference Rate Reform (Topic 848): Facilitation of the Effects of Reference Rate Reform on Financial Reporting, March 2020

Summary of Significant Accoun_2

Summary of Significant Accounting Policies (Policies)	3 Months Ended
	Mar. 31, 2020
Accounting Policies [Abstract]
Basis of Presentation	Basis of Presentation The accompanying unaudited consolidated interim financial statements have been prepared in accordance with U.S. generally accepted accounting principles for interim financial information and to general practices within the banking industry. Accordingly, they do not include all of the information and footnotes required by generally accepted accounting principles for complete financial statements. In the opinion of management, all significant adjustments considered necessary for fair presentation have been included. Certain items previously reported have been reclassified to conform to the current period’s reporting format. Such reclassifications did not affect net income or stockholders’ equity. ENB Financial Corp (“the Corporation”) is the bank holding company for its wholly-owned subsidiary Ephrata National Bank (the “Bank”). This Form 10-Q, for the first quarter of 2020, is reporting on the results of operations and financial condition of ENB Financial Corp. Operating results for the three months ended March 31, 2020, are not necessarily indicative of the results that may be expected for the year ended December 31, 2020. For further information, refer to the consolidated financial statements and footnotes thereto included in ENB Financial Corp’s Annual Report on Form 10-K for the year ended December 31, 2019.
Revenue from Contracts with Customers	Revenue from Contracts with Customers The Company records revenue from contracts with customers in accordance with Accounting Standards Topic 606, Revenue from Contracts with Customers (Topic 606). The Corporation’s primary sources of revenue are derived from interest and dividends earned on loans, investment securities, and other financial instruments that are not within the scope of Topic 606. The Corporation has evaluated the nature of its contracts with customers and determined that further disaggregation of revenue from contracts with customers into more granular categories beyond what is presented in the Consolidated Statements of Income was not necessary. The Corporation generally fully satisfies its performance obligations on its contracts with customers as services are rendered and the transaction prices are typically fixed; charged either on a periodic basis or based on activity. Because performance obligations are satisfied as services are rendered and the transaction prices are fixed, there is little judgment involved in applying Topic 606 that significantly affects the determination of the amount and timing of revenue from contracts with customers.

Securities Available for Sale (

Securities Available for Sale (Tables)	3 Months Ended
	Mar. 31, 2020
Investments, Debt and Equity Securities [Abstract]
Schedule of amortized cost and fair value of securities	The amortized cost, gross unrealized gains and losses, and fair value of securities held at March 31, 2020, and December 31, 2019, are as follows: Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ March 31, 2020 U.S. government agencies 10,378 152 (2 ) 10,528 U.S. agency mortgage-backed securities 60,464 1,107 (55 ) 61,516 U.S. agency collateralized mortgage obligations 55,834 907 (120 ) 56,621 Asset-backed securities 28,969 — (1,854 ) 27,115 Corporate bonds 64,429 188 (1,811 ) 62,806 Obligations of states and political subdivisions 99,098 3,096 (212 ) 101,982 Total securities available for sale 319,172 5,450 (4,054 ) 320,568 December 31, 2019 U.S. government agencies 32,621 31 (28 ) 32,624 U.S. agency mortgage-backed securities 48,859 215 (448 ) 48,626 U.S. agency collateralized mortgage obligations 60,124 323 (194 ) 60,253 Asset-backed securities 23,646 7 (391 ) 23,262 Corporate bonds 54,604 316 (40 ) 54,880 Obligations of states and political subdivisions 86,216 2,245 (9 ) 88,452 Total securities available for sale 306,070 3,137 (1,110 ) 308,097
Schedule of contractual maturity of debt securities	The amortized cost and fair value of securities available for sale at March 31, 2020, by contractual maturity, are shown below. Actual maturities may differ from contractual maturities due to certain call or prepayment provisions. CONTRACTUAL MATURITY OF DEBT SECURITIES (DOLLARS IN THOUSANDS) Amortized Cost Fair Value $ $ Due in one year or less 31,045 31,321 Due after one year through five years 122,474 122,000 Due after five years through ten years 45,499 45,029 Due after ten years 120,154 122,218 Total debt securities 319,172 320,568
Schedule of proceeds and gains and losses on securities available for sale	Proceeds from active sales of securities available for sale, along with the associated gross realized gains and gross realized losses, are shown below. Realized gains and losses are computed on the basis of specific identification. PROCEEDS FROM SALES OF SECURITIES AVAILABLE FOR SALE (DOLLARS IN THOUSANDS) Three Months Ended March 31, 2020 2019 $ $ Proceeds from sales 27,409 10,246 Gross realized gains 297 96 Gross realized losses (15 ) (15 )
Schedule of securities in an unrealized loss position (temporary impairment)	Information pertaining to securities with gross unrealized losses at March 31, 2020, and December 31, 2019, aggregated by investment category and length of time that individual securities have been in a continuous loss position follows: TEMPORARY IMPAIRMENTS OF SECURITIES (DOLLARS IN THOUSANDS) Less than 12 months More than 12 months Total Gross Gross Gross Fair Unrealized Fair Unrealized Fair Unrealized Value Losses Value Losses Value Losses $ $ $ $ $ $ As of March 31, 2020 U.S. government agencies 1,194 (2 ) — — 1,194 (2 ) U.S. agency mortgage-backed securities — — 5,794 (55 ) 5,794 (55 ) U.S. agency collateralized mortgage obligations 12,458 (106 ) 1,545 (14 ) 14,003 (120 ) Asset-backed securities 18,510 (1,145 ) 8,605 (709 ) 27,115 (1,854 ) Corporate bonds 39,679 (1,586 ) 2,812 (225 ) 42,491 (1,811 ) Obligations of states & political subdivisions 7,271 (212 ) — — 7,271 (212 ) Total temporarily impaired securities 79,112 (3,051 ) 18,756 (1,003 ) 97,868 (4,054 ) As of December 31, 2019 U.S. government agencies 1,222 (3 ) 15,971 (25 ) 17,193 (28 ) U.S. agency mortgage-backed securities 5,040 (32 ) 24,027 (416 ) 29,067 (448 ) U.S. agency collateralized mortgage obligations 17,457 (50 ) 17,512 (144 ) 34,969 (194 ) Asset-backed securities 10,278 (169 ) 9,126 (222 ) 19,404 (391 ) Corporate bonds 2,562 (4 ) 13,041 (36 ) 15,603 (40 ) Obligations of states & political subdivisions 2,642 (9 ) — — 2,642 (9 ) Total temporarily impaired securities 39,201 (267 ) 79,677 (843 ) 118,878 (1,110 )

Equity Securities (Tables)

Equity Securities (Tables)	3 Months Ended
	Mar. 31, 2020
Marketable Securities [Abstract]
Schedule of Amortized Cost, Gross Unrealized gains, Losses, and Fair Value of Equity Securities	The following table summarizes the amortized cost, gross unrealized gains and losses, and fair value of equity securities held at March 31, 2020 and December 31, 2019. Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ March 31, 2020 CRA-qualified mutual funds 6,113 — — 6,113 Bank stocks 734 — (207 ) 527 Total equity securities 6,847 — (207 ) 6,640 Gross Gross (DOLLARS IN THOUSANDS) Amortized Unrealized Unrealized Fair Cost Gains Losses Value $ $ $ $ December 31, 2019 CRA-qualified mutual funds 6,071 — — 6,071 Bank stocks 614 26 (3 ) 637 Total equity securities 6,685 26 (3 ) 6,708
Schedule of Unrealized Gains and Losses	The following table presents the net gains and losses on the Corporation’s equity investments recognized in earnings during the three months ended March 31, 2020 and 2019, and the portion of unrealized gains and losses for the period that relates to equity investments held as of March 31, 2020 and 2019. NET GAINS AND LOSSES ON EQUITY INVESTMENTS RECOGNIZED IN EARNINGS (DOLLARS IN THOUSANDS) Three Months Ended March 31, 2020 March 31, 2019 $ $ Net gains (losses) recognized in equity securities during the period (230 ) 17 Less: Net gains realized on the sale of equity securities during the period — — Unrealized gains (losses) recognized in equity securities held at reporting date (230 ) 17

Loans and Allowance for Loan _2

Loans and Allowance for Loan Losses (Tables)	3 Months Ended
	Mar. 31, 2020
Receivables [Abstract]
Schedule of loan portfolio by category	The following table presents the Corporation’s loan portfolio by category of loans as of March 31, 2020, and December 31, 2019: LOAN PORTFOLIO (DOLLARS IN THOUSANDS) March 31, December 31, 2020 2019 $ $ Commercial real estate Commercial mortgages 120,080 120,212 Agriculture mortgages 177,368 175,367 Construction 18,778 16,209 Total commercial real estate 316,226 311,788 Consumer real estate (a) 1-4 family residential mortgages 259,937 258,676 Home equity loans 10,741 9,770 Home equity lines of credit 68,633 70,809 Total consumer real estate 339,311 339,255 Commercial and industrial Commercial and industrial 63,670 58,019 Tax-free loans 16,582 16,388 Agriculture loans 20,733 20,804 Total commercial and industrial 100,985 95,211 Consumer 5,557 5,416 Gross loans prior to deferred fees 762,079 751,670 Deferred loan costs, net 2,041 1,948 Allowance for loan losses (9,803 ) (9,447 ) Total net loans 754,317 744,171 (a) Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $162,246,000 and $154,577,000 as of March 31, 2020, and December 31, 2019, respectively.
Schedule of commercial and consumer credit exposure	COMMERCIAL CREDIT EXPOSURE CREDIT RISK PROFILE BY INTERNALLY ASSIGNED GRADE (DOLLARS IN THOUSANDS) March 31, 2020 Commercial Agriculture Construction Commercial Tax-free Agriculture Total $ $ $ $ $ $ $ Grade: Pass 117,329 160,221 18,778 57,634 16,582 18,671 389,215 Special Mention 818 4,133 — 842 — 836 6,629 Substandard 1,933 13,014 — 5,141 — 1,226 21,314 Doubtful — — — 53 — — 53 Loss — — — — — — — Total 120,080 177,368 18,778 63,670 16,582 20,733 417,211 December 31, 2019 Commercial Agriculture Construction Commercial Tax-free Agriculture Total $ $ $ $ $ $ $ Grade: Pass 117,875 158,896 16,209 52,028 16,388 18,530 379,926 Special Mention 827 4,546 — 618 — 939 6,930 Substandard 1,510 11,925 — 5,293 — 1,335 20,063 Doubtful — — — 80 — — 80 Loss — — — — — — — Total 120,212 175,367 16,209 58,019 16,388 20,804 406,999 CONSUMER CREDIT EXPOSURE CREDIT RISK PROFILE BY PAYMENT PERFORMANCE (DOLLARS IN THOUSANDS) March 31, 2020 1-4 Family Home Equity Home Equity Consumer Total Payment performance: $ $ $ $ $ Performing 259,318 10,649 68,623 5,547 344,137 Non-performing 619 92 10 10 731 Total 259,937 10,741 68,633 5,557 344,868 December 31, 2019 1-4 Family Home Equity Home Equity Consumer Total Payment performance: $ $ $ $ $ Performing 257,374 9,678 70,799 5,412 343,263 Non-performing 1,302 92 10 4 1,408 Total 258,676 9,770 70,809 5,416 344,671
Schedule of aging of loans receivable	AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Greater 30-59 Days 60-89 Days than 90 Total Past Total Loans March 31, 2020 Past Due Past Due Days Due Current Receivable $ $ $ $ $ $ Commercial real estate Commercial mortgages 121 — 227 348 119,732 120,080 Agriculture mortgages 1,154 — 1,046 2,200 175,168 177,368 Construction — — — — 18,778 18,778 Consumer real estate 1-4 family residential mortgages 1,029 186 619 1,834 258,103 259,937 Home equity loans 28 3 92 123 10,618 10,741 Home equity lines of credit 9 — 10 19 68,614 68,633 Commercial and industrial Commercial and industrial — — 534 534 63,136 63,670 Tax-free loans — — — — 16,582 16,582 Agriculture loans — — — — 20,733 20,733 Consumer 26 10 10 46 5,511 5,557 Total 2,367 199 2,538 5,104 756,975 762,079 AGING OF LOANS RECEIVABLE (DOLLARS IN THOUSANDS) Greater 30-59 Days 60-89 Days than 90 Total Past Total Loans December 31, 2019 Past Due Past Due Days Due Current Receivable $ $ $ $ $ $ Commercial real estate Commercial mortgages — — 228 228 119,984 120,212 Agriculture mortgages 962 — 1,070 2,032 173,335 175,367 Construction — — — — 16,209 16,209 Consumer real estate 1-4 family residential mortgages 2,254 161 1,302 3,717 254,959 258,676 Home equity loans 52 — 92 144 9,626 9,770 Home equity lines of credit 43 — 10 53 70,756 70,809 Commercial and industrial Commercial and industrial 68 — 538 606 57,413 58,019 Tax-free loans — — — — 16,388 16,388 Agriculture loans 2 — — 2 20,802 20,804 Consumer 14 12 4 30 5,386 5,416 Total 3,395 173 3,244 6,812 744,858 751,670
Schedule of nonaccrual loans by class	The following table presents nonaccrual loans by classes of the loan portfolio as of March 31, 2020 and December 31, 2019: NONACCRUAL LOANS BY LOAN CLASS (DOLLARS IN THOUSANDS) March 31, December 31, 2020 2019 $ $ Commercial real estate Commercial mortgages 227 228 Agriculture mortgages 1,046 1,070 Construction — — Consumer real estate 1-4 family residential mortgages 493 495 Home equity loans 92 92 Home equity lines of credit — — Commercial and industrial Commercial and industrial 534 538 Tax-free loans — — Agriculture loans — — Consumer — — Total 2,392 2,423
Schedule of impaired loans	As of March 31, 2020 and December 31, 2019, all of the Corporation’s commercial loans on nonaccrual status were also considered impaired. Information with respect to impaired loans for the three months ended March 31, 2020 and March 31, 2019, is as follows: IMPAIRED LOANS (DOLLARS IN THOUSANDS) Three Months Ended March 31, 2020 2019 $ $ Average recorded balance of impaired loans 3,937 2,697 Interest income recognized on impaired loans 35 11 The following tables summarize information regarding impaired loans by loan portfolio class as of March 31, 2020, and December 31, 2019: IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) March 31, 2020 Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 720 763 — 723 — Agriculture mortgages 1,879 1,909 — 1,894 24 Construction — — — — — Total commercial real estate 2,599 2,672 — 2,617 24 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with no related allowance 2,599 2,672 — 2,617 24 With an allowance recorded: Commercial real estate Commercial mortgages 92 100 49 92 — Agriculture mortgages 677 677 12 692 5 Construction — — — — — Total commercial real estate 769 777 61 784 5 Commercial and industrial Commercial and industrial 534 549 53 536 Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 534 549 53 536 — Total with a related allowance 1,303 1,326 114 1,320 5 Total by loan class: Commercial real estate Commercial mortgages 812 863 49 815 — Agriculture mortgages 2,556 2,586 12 2,586 29 Construction — — — — — Total commercial real estate 3,368 3,449 61 3,401 29 Commercial and industrial Commercial and industrial 534 549 53 536 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 534 549 53 536 — Total 3,902 3,998 114 3,937 29 IMPAIRED LOAN ANALYSIS (DOLLARS IN THOUSANDS) December 31, 2019 Recorded Unpaid Related Average Interest $ $ $ $ $ With no related allowance recorded: Commercial real estate Commercial mortgages 724 765 — 859 — Agriculture mortgages 1,912 1,928 — 1,903 43 Construction — — — — — Total commercial real estate 2,636 2,693 — 2,762 43 Commercial and industrial Commercial and industrial — — — — — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial — — — — — Total with no related allowance 2,636 2,693 — 2,762 43 With an allowance recorded: Commercial real estate Commercial mortgages 92 100 49 93 — Agriculture mortgages 718 718 60 760 — Construction — — — — — Total commercial real estate 810 818 109 853 — Commercial and industrial Commercial and industrial 538 549 80 261 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 538 549 80 261 — Total with a related allowance 1,348 1,367 189 1,114 — Total by loan class: Commercial real estate Commercial mortgages 816 865 49 952 — Agriculture mortgages 2,630 2,646 60 2,663 43 Construction — — — — — Total commercial real estate 3,446 3,511 109 3,615 43 Commercial and industrial Commercial and industrial 538 549 80 261 — Tax-free loans — — — — — Agriculture loans — — — — — Total commercial and industrial 538 549 80 261 — Total 3,984 4,060 189 3,876 43
Schedule of allowance for credit losses	The following table details activity in the allowance for loan losses by portfolio segment for the three months ended March 31, 2020: ALLOWANCE FOR CREDIT LOSSES (DOLLARS IN THOUSANDS) Commercial Consumer Commercial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance - December 31, 2019 4,319 2,855 1,784 41 448 9,447 Charge-offs — — — (6 ) — (6 ) Recoveries 11 — 1 — — 12 Provision 252 296 171 21 (390 ) 350 Balance - March 31, 2020 4,582 3,151 1,956 56 58 9,803 T ALLOWANCE FOR CREDIT LOSSES (DOLLARS IN THOUSANDS) Commercial Consumer Commercial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Beginning balance - December 31, 2018 4,296 2,408 1,428 102 432 8,666 Charge-offs — — — (17 ) — (17 ) Recoveries 44 — 13 — — 57 Provision 148 (140 ) 128 16 28 180 Balance - March 31, 2019 4,488 2,268 1,569 101 460 8,886 The following tables present the balance in the allowance for credit losses and the recorded investment in loans receivable by portfolio segment based on impairment method as of March 31, 2020 and December 31, 2019: ALLOWANCE FOR CREDIT LOSSES AND RECORDED INVESTMENT IN LOANS RECEIVABLE (DOLLARS IN THOUSANDS) As of March 31, 2020: Commercial Real Consumer Commercial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Ending balance: individually evaluated for impairment 61 — 53 — — 114 Ending balance: collectively evaluated for impairment 4,521 3,151 1,903 56 58 9,689 Loans receivable: Ending balance 316,226 339,311 100,985 5,557 762,079 Ending balance: individually evaluated for impairment 3,368 — 534 — 3,902 Ending balance: collectively evaluated for impairment 312,858 339,311 100,451 5,557 758,177 As of December 31, 2019: Commercial Real Consumer Commercial Consumer Unallocated Total $ $ $ $ $ $ Allowance for credit losses: Ending balance: individually evaluated for impairment 109 — 80 — — 189 Ending balance: collectively evaluated for impairment 4,210 2,855 1,704 41 448 9,258 Loans receivable: Ending balance 311,788 339,255 95,211 5,416 751,670 Ending balance: individually evaluated for impairment 3,446 — 538 — 3,984 Ending balance: collectively evaluated for impairment 308,342 339,255 94,673 5,416 747,686

Fair Value Presentation (Tables

Fair Value Presentation (Tables)	3 Months Ended
	Mar. 31, 2020
Fair Value Disclosures [Abstract]
Schedule of assets measured on a recurring basis	The following tables provide the fair market value for assets required to be measured and reported at fair value on a recurring basis on the Consolidated Balance Sheets as of March 31, 2020, and December 31, 2019, by level within the fair value hierarchy. As required by U.S. generally accepted accounting principles, financial assets and liabilities are classified in their entirety based on the lowest level of input that is significant to the fair value measurement. ASSETS MEASURED ON A RECURRING BASIS (DOLLARS IN THOUSANDS) March 31, 2020 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 10,528 — 10,528 U.S. agency mortgage-backed securities — 61,516 — 61,516 U.S. agency collateralized mortgage obligations — 56,621 — 56,621 Asset-backed securities — 27,115 — 27,115 Corporate bonds — 62,806 — 62,806 Obligations of states & political subdivisions — 101,982 — 101,982 Equity securities 6,640 — — 6,640 Total securities 6,640 320,568 — 327,208 ASSETS MEASURED ON A RECURRING BASIS (DOLLARS IN THOUSANDS) December 31, 2019 Level I Level II Level III Total $ $ $ $ U.S. government agencies — 32,624 — 32,624 U.S. agency mortgage-backed securities — 48,626 — 48,626 U.S. agency collateralized mortgage obligations — 60,253 — 60,253 Asset-backed securities — 23,262 — 23,262 Corporate bonds — 54,880 — 54,880 Obligations of states & political subdivisions — 88,452 — 88,452 Equity securities 6,708 — — 6,708 Total securities 6,708 308,097 — 314,805
Schedule of assets measured on a nonrecurring basis	The following tables provide the fair value for each class of assets required to be measured and reported at fair value on a nonrecurring basis on the Consolidated Balance Sheets as of March 31, 2020 and December 31, 2019, by level within the fair value hierarchy: ASSETS MEASURED ON A NONRECURRING BASIS ( Dollars in Thousands March 31, 2020 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ — $ — $ 3,788 $ 3,788 Total $ — $ — $ 3,788 $ 3,788 December 31, 2019 Level I Level II Level III Total $ $ $ $ Assets: Impaired Loans $ — $ — $ 3,795 $ 3,795 Total $ — $ — $ 3,795 $ 3,795
Schedule of Level III inputs	The following table presents additional quantitative information about assets measured at fair value on a nonrecurring basis for which the Corporation has utilized level III inputs to determine fair value: QUANTITATIVE INFORMATION ABOUT LEVEL III FAIR VALUE MEASUREMENTS (DOLLARS IN THOUSANDS) March 31, 2020 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 3,788 Appraisal of Appraisal -20% (-20%) collateral (1) adjustments (2) Liquidation -10% (-10%) expenses (2) December 31, 2019 Fair Value Valuation Unobservable Range Estimate Techniques Input (Weighted Avg) Impaired loans 3,795 Appraisal of Appraisal -20% (-20%) collateral (1) adjustments (2) Liquidation -10% (-10%) expenses (2) (1) Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level III inputs which are not identifiable. (2) Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.

FINANCIAL INSTRUMENTS NOT REQ_2

FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (Tables)	3 Months Ended
	Mar. 31, 2020
Fair Value Disclosures [Abstract]
Schedule of carrying amount and fair value of financial instruments	FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) March 31, 2020 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 23,412 23,412 23,412 — — Regulatory stock 7,222 7,222 7,222 — — Loans held for sale 2,419 2,419 2,419 — — Loans, net of allowance 754,317 759,337 — — 759,337 Mortgage servicing assets 691 691 — — 691 Accrued interest receivable 3,792 3,792 3,792 — — Bank owned life insurance 29,012 29,012 29,012 — — Financial Liabilities: Demand deposits 363,766 363,766 363,766 — — Interest-bearing demand deposits 28,479 28,479 28,479 — — NOW accounts 95,604 95,604 95,604 — — Money market deposit accounts 140,781 140,781 140,781 — — Savings accounts 222,241 222,241 222,241 — — Time deposits 131,981 135,159 — — 135,159 Total deposits 982,852 986,030 850,871 — 135,159 Short-term borrowings 3,500 3,500 3,500 — — Long-term debt 71,531 68,375 — — 68,375 Accrued interest payable 485 485 485 — — FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (DOLLARS IN THOUSANDS) December 31, 2019 Quoted Prices in Active Markets Significant Other Significant for Identical Observable Unobservable Carrying Assets Inputs Inputs Amount Fair Value (Level 1) (Level II) (Level III) $ $ $ $ $ Financial Assets: Cash and cash equivalents 41,053 41,053 41,053 — — Regulatory stock 7,291 7,291 7,291 — — Loans held for sale 2,342 2,342 2,342 — — Loans, net of allowance 744,171 759,011 — — 759,011 Mortgage servicing assets 892 1,049 — — 1,049 Accrued interest receivable 3,768 3,768 3,768 — — Bank owned life insurance 28,818 28,818 28,818 — — Financial Liabilities: Demand deposits 363,857 363,857 363,857 — — Interest-bearing demand deposits 25,171 25,171 25,171 — — NOW accounts 96,941 96,941 96,941 — — Money market deposit accounts 141,649 141,649 141,649 — — Savings accounts 211,285 211,285 211,285 — — Time deposits 135,185 136,781 — — 136,781 Total deposits 974,088 975,684 838,903 — 136,781 Short-term borrowings 200 200 200 — — Long-term debt 77,872 76,825 — — 76,825 Accrued interest payable 521 521 521 — —

Accumulated Other Comprehensi_2

Accumulated Other Comprehensive Income (Loss) (Tables)	3 Months Ended
	Mar. 31, 2020
Accumulated Other Comprehensive Income (Loss), Net of Tax [Abstract]
Schedule of accumulated other comprehensive loss	The activity in accumulated other comprehensive income (loss) for the three months ended March 31, 2020 and 2019 is as follows: ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) (1) (2) (DOLLARS IN THOUSANDS) Unrealized Gains (Losses) on Securities Available-for-Sale $ Balance at December 31, 2019 1,600 Other comprehensive loss before reclassifications (274 ) Amount reclassified from accumulated other comprehensive income (loss) (223 ) Period change (497 ) Balance at March 31, 2020 1,103 Balance at December 31, 2018 (5,678 ) Other comprehensive income before reclassifications 2,553 Amount reclassified from accumulated other comprehensive income (loss) (64 ) Period change 2,489 Balance at March 31, 2019 (3,189 ) (1) All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 21%. (2) Amounts in parentheses indicate debits. DETAILS ABOUT ACCUMULATED OTHER COMPREHENSIVE INCOME (LOSS) COMPONENTS (1) (DOLLARS IN THOUSANDS) Amount Reclassified from Accumulated Other Comprehensive Income (Loss) For the Three Months Ended March 31, 2020 2019 Affected Line Item in the $ $ Consolidated Statements of Income Securities available-for-sale: Net securities gains, 282 81 Gains on the sale of reclassified into earnings debt securities, net Related income tax expense (59) (17) Provision for federal income taxes Net effect on accumulated other comprehensive income (loss) for the period 223 64 (1) Amounts in parentheses indicate debits.

Leases (Tables)

Leases (Tables)	3 Months Ended
	Mar. 31, 2020
Leases [Abstract]
Schedule of ROU Assets and Lease Liabilities	The following table represents the Consolidated Balance Sheet classification of the Corporation’s ROU assets and lease liabilities. Lease Consolidated Balance Sheets Classification (Dollars in Thousands) Classification March 31, 2020 Lease Right-of-Use Assets Operating lease right-of use assets Other Assets $ 864 Lease Liabilities Operating lease liabilties Other Liabilities $ 872
Schedule of Opreating Leases Weighted-Average Discount Term and Rate	March 31, 2020 Weighted-average remaining lease term Operating leases 5.1 years Weighted-average discount rate Operating leases 3.09 %
Schedule of Maturities of Operating Leases	Future minimum payments for operating leases with initial or remaining terms of one year or more as of March 31, 2020 were as follows: Lease Payment Schedule (Dollars in Thousands) Operating Leases Twelve Months Ended: March 31, 2021 $ 202 March 31, 2022 206 March 31, 2023 155 March 31, 2024 154 March 31, 2025 155 Thereafter 74 Total Future Minimum Lease Payments 946 Amounts Representing Interests (74 ) Present Value of Net Future Minimum Lease Payments $ 872

Securities Available for Sale_2

Securities Available for Sale (Narrative) (Details) $ in Thousands	Mar. 31, 2020USD ($)N	Dec. 31, 2019USD ($)
Investments, Debt and Equity Securities [Abstract]
Available for sale debt securities pledged or restricted for public funds, par value	$ 85,824	$ 66,712
Available for sale debt securities pledged or restricted for public funds, fair value	$ 90,733	$ 68,732
Number of securities considered temporarily impaired | N	62

Securities Available for Sale_3

Securities Available for Sale (Schedule of Amortized Cost and Fair Value of Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Securities Available For Sale
Amortized Cost	$ 319,172	$ 306,070
Gross Unrealized Gains	5,450	3,137
Gross Unrealized Losses	(4,054)	(1,110)
Fair Value	327,208	314,805
U.S. Government Agencies [Member]
Securities Available For Sale
Amortized Cost	10,378	32,621
Gross Unrealized Gains	152	31
Gross Unrealized Losses	(2)	(28)
Fair Value	10,528	32,624
U.S. Agency Mortgage-Backed Securities [Member]
Securities Available For Sale
Amortized Cost	60,464	48,859
Gross Unrealized Gains	1,107	215
Gross Unrealized Losses	(55)	(448)
Fair Value	61,516	48,626
U.S. Agency Collateralized Mortgage Obligations [Member]
Securities Available For Sale
Amortized Cost	55,834	60,124
Gross Unrealized Gains	907	323
Gross Unrealized Losses	(120)	(194)
Fair Value	56,621	60,253
Asset-backed Securities [Member]
Securities Available For Sale
Amortized Cost	28,969	23,646
Gross Unrealized Gains		7
Gross Unrealized Losses	(1,854)	(391)
Fair Value	27,115	23,262
Corporate Bonds [Member]
Securities Available For Sale
Amortized Cost	64,429	54,604
Gross Unrealized Gains	188	316
Gross Unrealized Losses	(1,811)	(40)
Fair Value	62,806	54,880
Obligations of States and Political Subdivisions [Member]
Securities Available For Sale
Amortized Cost	99,098	86,216
Gross Unrealized Gains	3,096	2,245
Gross Unrealized Losses	(212)	(9)
Fair Value	$ 101,982	$ 88,452

Securities Available for Sale_4

Securities Available for Sale (Schedule of Contractual Maturity of Debt Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019
Contractual maturity of debt securities, Amortized Cost
Due in one year or less	$ 31,045
Due after one year through five years	122,474
Due after five years through ten years	45,499
Due after ten years	120,154
Total debt securities	319,172
Contractual maturity of debt securities, Fair Value
Due in one year or less	31,321
Due after one year through five years	122,000
Due after five years through ten years	45,029
Due after ten years	122,218
Securities available for sale	$ 320,568	$ 308,097	$ 291,186

Securities Available for Sale_5

Securities Available for Sale (Schedule of Proceeds and Gains and Losses on Securities) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Investments, Debt and Equity Securities [Abstract]
Proceeds from sales	$ 27,409	$ 10,246
Gross realized gains	297	96
Gross realized losses	$ (15)	$ (15)

Securities Available for Sale_6

Securities Available for Sale (Schedule of Securities in an Unrealized Loss Position) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Fair Value
Less than 12 months	$ 79,112	$ 39,201
More than 12 months	18,756	79,677
Total	97,868	118,878
Gross Unrealized Losses
Less than 12 months	(3,051)	(267)
More than 12 months	(1,003)	(843)
Total	(4,054)	(1,110)
U.S. Government Agencies [Member]
Fair Value
Less than 12 months	1,194	1,222
More than 12 months		15,971
Total	1,194	17,193
Gross Unrealized Losses
Less than 12 months	(2)	(3)
More than 12 months		(25)
Total	(2)	(28)
U.S. Agency Mortgage-Backed Securities [Member]
Fair Value
Less than 12 months		5,040
More than 12 months	5,794	24,027
Total	5,794	29,067
Gross Unrealized Losses
Less than 12 months		(32)
More than 12 months	(55)	(416)
Total	(55)	(448)
U.S. Agency Collateralized Mortgage Obligations [Member]
Fair Value
Less than 12 months	12,458	17,457
More than 12 months	1,545	17,512
Total	14,003	34,969
Gross Unrealized Losses
Less than 12 months	(106)	(50)
More than 12 months	(14)	(144)
Total	(120)	(194)
Asset-backed Securities [Member]
Fair Value
Less than 12 months	18,510	10,278
More than 12 months	8,605	9,126
Total	27,115	19,404
Gross Unrealized Losses
Less than 12 months	(1,145)	(169)
More than 12 months	(709)	(222)
Total	(1,854)	(391)
Corporate Bonds [Member]
Fair Value
Less than 12 months	39,679	2,562
More than 12 months	2,812	13,041
Total	42,491	15,603
Gross Unrealized Losses
Less than 12 months	(1,586)	(4)
More than 12 months	(225)	(36)
Total	(1,811)	(40)
Obligations of States and Political Subdivisions [Member]
Fair Value
Less than 12 months	7,271	2,642
More than 12 months
Total	7,271	2,642
Gross Unrealized Losses
Less than 12 months	(212)	(9)
More than 12 months
Total	$ (212)	$ (9)

Equity Securities (Schedule of

Equity Securities (Schedule of Amortized Cost, Gross Unrealized gains, Losses, and Fair Value of Equity Securities) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Net Investment Income [Line Items]
Amortized Cost	$ 319,172	$ 306,070
Gross Unrealized Gains	5,450	3,137
Gross Unrealized Losses	(4,054)	(1,110)
Fair Value	327,208	314,805
CRA-qualified mutual funds [Member]
Net Investment Income [Line Items]
Amortized Cost	6,113	6,071
Gross Unrealized Gains
Gross Unrealized Losses
Fair Value	6,113	6,071
Bank stocks [Member]
Net Investment Income [Line Items]
Amortized Cost	734	614
Gross Unrealized Gains		26
Gross Unrealized Losses	(207)	(3)
Fair Value	527	637
Equity Securities [Member]
Net Investment Income [Line Items]
Amortized Cost	6,847	6,685
Gross Unrealized Gains		26
Gross Unrealized Losses	(207)	(3)
Fair Value	$ 6,640	$ 6,708

Equity Securities (Schedule o_2

Equity Securities (Schedule of Unrealized Gains and Losses) (Details) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2020	Mar. 31, 2019
Marketable Securities [Abstract]
Net gains (losses) recognized in equity securities during the period	$ (230)	$ 17
Less: Net gains realized on the sale of equity securities during the period
Unrealized gains (losses) recognized in equity securities held at reporting date	$ (230)	$ 17

Loans and Allowance for Loan _3

Loans and Allowance for Loan Losses (Narrative) (Details) $ in Thousands	1 Months Ended	3 Months Ended		12 Months Ended
	Apr. 30, 2020USD ($)Loans	Mar. 31, 2020USD ($)Loans	Mar. 31, 2019USD ($)	Dec. 31, 2019USD ($)	Dec. 31, 2018
Accounts, Notes, Loans and Financing Receivable [Line Items]
Nonaccrual loan		$ 2,392		$ 2,423
Increase (decrease) in ending balance of allowance for loan losses			$ 718
Delinquency rate		0.67%		0.91%
Provision (credit) for loan losses			180
Additional provision for loan losses		$ 350	180
Recoveries of loan losses		12	57
Charge-offs		$ 6	17
Percentage of amount of largest loan backed to one farmer		2.32%
Unallocated portion of allowance, percentage		0.60%		4.70%
Provision expense		$ 350	180
Number of loan modified | Loans		105
Amount of deferrals		$ 17,400
Subsequent Event [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDRs loan	$ 46,600
Number of loan modified | Loans	150
Amount of deferrals	$ 64,000
Uniform Bank Performance Group[Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Delinquency rate				1.05%
Commercial Loan [Member] | Subsequent Event [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of deferrals	$ 52,600
Agriculture loans [Member] | Subsequent Event [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percetage of deferrals	82.20%
Residential Mortgage [Member] | Subsequent Event [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Amount of deferrals	$ 11,400
Commercial real estate [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Percentage increase in loans					31.70%
Provision expense		148
Unsecured consumer loan		16
Special Mention [Member] | Minimum [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in loans		6,900
Special Mention [Member] | Maximum [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in loans		6,600
Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in loans		$ 1,200
Percentage increase in loans		6.00%
Substandard [Member] | Minimum [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in loans		$ 20,100
Substandard [Member] | Maximum [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in loans		21,300
Loans Serviced for Others [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Real estate loans serviced for others		162,246		$ 154,577
dairy mortgages [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in loans		2,000
Downgraded from special mention to substandard [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in loans		1,000
Two residential mortgages [Member] | Substandard [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Increase decrease in loans		1,200
Three Loans [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDRs loan		1,949
One Loans Balance [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
TDRs loan		439
Commercial and Industrial Sector [Member]
Accounts, Notes, Loans and Financing Receivable [Line Items]
Charge-offs				17
Provision expense		$ 171	$ 128	$ 140

Loans and Allowance for Loan _4

Loans and Allowance for Loan Losses (Schedule of Loan Portfolio by Category) (Details) - USD ($) $ in Thousands		Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Loan Portfolio
Gross loans prior to deferred fees		$ 762,079	$ 751,670
Less: Deferred loan costs, net		2,041	1,948
Allowance for loan losses		(9,803)	(9,447)	$ (8,886)	$ (8,666)
Total net loans		754,317	744,171	701,249
Home Equity Loan [Member]
Loan Portfolio
Gross loans prior to deferred fees		10,741	9,770
Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred fees		68,633	70,809
Commercial Real Estate [Member]
Loan Portfolio
Gross loans prior to deferred fees		316,226	311,788
Allowance for loan losses		(4,582)	(4,319)	(4,488)	(4,296)
Commercial Real Estate [Member] | Mortgages [Member]
Loan Portfolio
Gross loans prior to deferred fees		120,080	120,212
Commercial Real Estate [Member] | Agricultural Sector [Member]
Loan Portfolio
Gross loans prior to deferred fees		177,368	175,367
Commercial Real Estate [Member] | Construction [Member]
Loan Portfolio
Gross loans prior to deferred fees		18,778	16,209
Consumer Real Estate [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	339,311	339,255
Allowance for loan losses		(3,151)	(2,855)	(2,268)	(2,408)
Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	259,937	258,676
Consumer Real Estate [Member] | Home Equity Loan [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	10,741	9,770
Consumer Real Estate [Member] | Home Equity Lines of Credit [Member]
Loan Portfolio
Gross loans prior to deferred fees	[1]	68,633	70,809
Commercial and Industrial [Member]
Loan Portfolio
Gross loans prior to deferred fees		100,985	95,211
Allowance for loan losses
Commercial and Industrial [Member] | Agricultural Sector [Member]
Loan Portfolio
Gross loans prior to deferred fees		20,733	20,804
Commercial and Industrial [Member] | Commercial and Industrial Sector [Member]
Loan Portfolio
Gross loans prior to deferred fees		63,670	58,019
Commercial and Industrial [Member] | Tax-free loans [Member]
Loan Portfolio
Gross loans prior to deferred fees		16,582	16,388
Consumer Portfolio Segment [Member]
Loan Portfolio
Gross loans prior to deferred fees		5,557	5,416
Allowance for loan losses		$ (56)	$ (41)	$ (101)	$ (102)
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $162,246,000 and $154,577,000 as of March 31, 2020, and December 31, 2019, respectively.

Loans and Allowance for Loan _5

Loans and Allowance for Loan Losses (Schedule of Commercial and Consumer Credit Exposure) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Total	$ 417,211	$ 406,999
Construction [Member]
Total	18,778	16,209
Agricultural Mortgage Loans [Member]
Total	177,368	175,367
Commercial and Industrial Sector [Member]
Total	63,670	58,019
Tax-free loans [Member]
Total	16,582	16,388
Agriculture loans [Member]
Total	20,733	20,804
Commercial [Member]
Total	120,080	120,212
Pass [Member]
Total	389,215	379,926
Pass [Member] | Construction [Member]
Total	18,778	16,209
Pass [Member] | Agricultural Mortgage Loans [Member]
Total	160,221	158,896
Pass [Member] | Commercial and Industrial Sector [Member]
Total	57,634	52,028
Pass [Member] | Tax-free loans [Member]
Total	16,582	16,388
Pass [Member] | Agriculture loans [Member]
Total	18,671	18,530
Pass [Member] | Commercial [Member]
Total	117,329	117,875
Special Mention [Member]
Total	6,629	6,930
Special Mention [Member] | Construction [Member]
Total
Special Mention [Member] | Agricultural Mortgage Loans [Member]
Total	4,133	4,546
Special Mention [Member] | Commercial and Industrial Sector [Member]
Total	842	618
Special Mention [Member] | Tax-free loans [Member]
Total
Special Mention [Member] | Agriculture loans [Member]
Total	836	939
Special Mention [Member] | Commercial [Member]
Total	818	827
Substandard [Member]
Total	21,314	20,063
Substandard [Member] | Construction [Member]
Total
Substandard [Member] | Agricultural Mortgage Loans [Member]
Total	13,014	11,925
Substandard [Member] | Commercial and Industrial Sector [Member]
Total	5,141	5,293
Substandard [Member] | Tax-free loans [Member]
Total
Substandard [Member] | Agriculture loans [Member]
Total	1,226	1,335
Substandard [Member] | Commercial [Member]
Total	1,933	1,510
Doubtful [Member]
Total	53	80
Doubtful [Member] | Construction [Member]
Total
Doubtful [Member] | Agricultural Mortgage Loans [Member]
Total
Doubtful [Member] | Commercial and Industrial Sector [Member]
Total	53	80
Doubtful [Member] | Tax-free loans [Member]
Total
Doubtful [Member] | Agriculture loans [Member]
Total
Doubtful [Member] | Construction [Member]
Total
Doubtful [Member] | Commercial [Member]
Total
Loss [Member]
Total
Loss [Member] | Construction [Member]
Total
Loss [Member] | Agricultural Mortgage Loans [Member]
Total
Loss [Member] | Commercial and Industrial Sector [Member]
Total
Loss [Member] | Tax-free loans [Member]
Total
Loss [Member] | Agriculture loans [Member]
Total
Loss [Member] | Commercial [Member]
Total

Loans and Allowance for Loan _6

Loans and Allowance for Loan Losses (Schedule of Credit Risk Profile by Payment Performance) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Gross loans prior to deferred fees	$ 762,079	$ 751,670
Home Equity Loan [Member]
Gross loans prior to deferred fees	10,741	9,770
Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees	68,633	70,809
1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	259,937	258,676
Consumer Portfolio Segment [Member]
Gross loans prior to deferred fees	5,557	5,416
Performing [Member]
Gross loans prior to deferred fees	344,137	343,263
Performing [Member] | Home Equity Loan [Member]
Gross loans prior to deferred fees	10,649	9,678
Performing [Member] | Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees	68,623	70,799
Performing [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	259,318	257,374
Performing [Member] | Consumer Portfolio Segment [Member]
Gross loans prior to deferred fees	5,547	5,412
Nonperforming [Member]
Gross loans prior to deferred fees	731	1,408
Nonperforming [Member] | Home Equity Loan [Member]
Gross loans prior to deferred fees	92	92
Nonperforming [Member] | Home Equity Lines of Credit [Member]
Gross loans prior to deferred fees	10	10
Nonperforming [Member] | 1-4 Family Residential Mortgages [Member]
Gross loans prior to deferred fees	619	1,302
Nonperforming [Member] | Consumer Portfolio Segment [Member]
Gross loans prior to deferred fees	10	4
Consumer Borrower [Member]
Gross loans prior to deferred fees	$ 344,868	$ 344,671

Loans and Allowance for Loan _7

Loans and Allowance for Loan Losses (Schedule of Aging of Loans Receivable) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 5,104	$ 6,812
Current	756,975	744,858
Total Loans Receivable	762,079	751,670
1-4 Family Residential Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Loans Receivable	259,937	258,676
Commercial real estate [Member] | Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	348	228
Current	119,732	119,984
Total Loans Receivable	120,080	120,212
Commercial real estate [Member] | Agricultural Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,200	2,032
Current	175,168	173,335
Total Loans Receivable	177,368	175,367
Commercial real estate [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Current	18,778	16,209
Total Loans Receivable	18,778	16,209
Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,834	3,717
Current	258,103	254,959
Total Loans Receivable	259,937	258,676
Consumer Real Estate [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	123	144
Current	10,618	9,626
Total Loans Receivable	10,741	9,770
Consumer Real Estate [Member] | Home equity lines of credit [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	19	53
Current	68,614	70,756
Total Loans Receivable	68,633	70,809
Commercial and Industrial Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	534	606
Current	63,136	57,413
Total Loans Receivable	63,670	58,019
Commercial and Industrial Sector [Member] | Tax-free loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Current	16,582	16,388
Total Loans Receivable	16,582	16,388
Commercial and Industrial Sector [Member] | Agriculture loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		2
Current	20,733	20,802
Total Loans Receivable	20,733	20,804
Consumer Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	46	30
Current	5,511	5,386
Total Loans Receivable	5,557	5,416
30-59 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,367	3,395
30-59 Days Past Due [Member] | Commercial real estate [Member] | Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	121
30-59 Days Past Due [Member] | Commercial real estate [Member] | Agricultural Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,154	962
30-59 Days Past Due [Member] | Commercial real estate [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
30-59 Days Past Due [Member] | Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,029	2,254
30-59 Days Past Due [Member] | Consumer Real Estate [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	28	52
30-59 Days Past Due [Member] | Consumer Real Estate [Member] | Home equity lines of credit [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	9	43
30-59 Days Past Due [Member] | Commercial and Industrial Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		68
30-59 Days Past Due [Member] | Commercial and Industrial Sector [Member] | Tax-free loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
30-59 Days Past Due [Member] | Commercial and Industrial Sector [Member] | Agriculture loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due		2
30-59 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	26	14
60-89 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	199	173
60-89 Days Past Due [Member] | Commercial real estate [Member] | Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
60-89 Days Past Due [Member] | Commercial real estate [Member] | Agricultural Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
60-89 Days Past Due [Member] | Commercial real estate [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
60-89 Days Past Due [Member] | Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	186	161
60-89 Days Past Due [Member] | Consumer Real Estate [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	3
60-89 Days Past Due [Member] | Consumer Real Estate [Member] | Home equity lines of credit [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
60-89 Days Past Due [Member] | Commercial and Industrial Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
60-89 Days Past Due [Member] | Commercial and Industrial Sector [Member] | Tax-free loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
60-89 Days Past Due [Member] | Commercial and Industrial Sector [Member] | Agriculture loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
60-89 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	10	12
Greater than 90 Days Past Due [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	2,538	3,244
Greater than 90 Days Past Due [Member] | Commercial real estate [Member] | Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	227	228
Greater than 90 Days Past Due [Member] | Commercial real estate [Member] | Agricultural Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	1,046	1,070
Greater than 90 Days Past Due [Member] | Commercial real estate [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Greater than 90 Days Past Due [Member] | Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	619	1,302
Greater than 90 Days Past Due [Member] | Consumer Real Estate [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	92	92
Greater than 90 Days Past Due [Member] | Consumer Real Estate [Member] | Home equity lines of credit [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	10	10
Greater than 90 Days Past Due [Member] | Commercial and Industrial Sector [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	534	538
Greater than 90 Days Past Due [Member] | Commercial and Industrial Sector [Member] | Tax-free loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Greater than 90 Days Past Due [Member] | Commercial and Industrial Sector [Member] | Agriculture loans [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due
Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Total Past Due	$ 10	$ 4

Loans and Allowance for Loan _8

Loans and Allowance for Loan Losses (Schedule of Nonaccrual Loans by Class) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	$ 2,392	$ 2,423
Commercial real estate [Member] | Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	227	228
Commercial real estate [Member] | Agricultural Sector [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	1,046	1,070
Commercial real estate [Member] | Construction [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Consumer Real Estate [Member] | 1-4 Family Residential Mortgages [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	493	495
Consumer Real Estate [Member] | Home Equity Loan [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	92	92
Consumer Real Estate [Member] | Home equity lines of credit [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Commercial and Industrial Sector [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans	534	538
Commercial and Industrial Sector [Member] | Tax-free loans [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Commercial and Industrial Sector [Member] | Agriculture loans [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans
Consumer Portfolio Segment [Member]
Financing Receivable, Past Due [Line Items]
Non-accrual Loans

Loans and Allowance for Loan _9

Loans and Allowance for Loan Losses (Schedule of Impaired Loans) (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Total impaired loans
Average recorded balance of impaired loans	$ 3,937	$ 2,697	$ 3,876
Interest income recognized on impaired loans	$ 35	$ 11	$ 43

Loans and Allowance for Loan_10

Loans and Allowance for Loan Losses (Schedule of Impaired Loans by Loan Portfolio Class) (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Loans with no related allowance recorded:
Recorded Investment	$ 2,599		$ 2,636
Unpaid Principal Balance	2,672		2,693
Related Allowance
Average Recorded Investment	2,617		2,762
Interest Income Recognized	24		43
Loans with an allowance recorded:
Recorded Investment	1,303		1,348
Unpaid Principal Balance	1,326		1,367
Related Allowance	114		189
Average Recorded Investment	1,320		1,114
Interest Income Recognized	5
Total impaired loans
Recorded Investment	3,902		3,984
Unpaid Principal Balance	3,998		4,060
Related Allowance	114		189
Average Recorded Investment	3,937	$ 2,697	3,876
Interest Income Recognized	35	$ 11	43
Commercial real estate [Member]
Loans with no related allowance recorded:
Recorded Investment	2,599		2,636
Unpaid Principal Balance	2,672		2,693
Related Allowance
Average Recorded Investment	2,617		2,762
Interest Income Recognized	24		43
Loans with an allowance recorded:
Recorded Investment	769		810
Unpaid Principal Balance	777		818
Related Allowance	61		109
Average Recorded Investment	784		853
Interest Income Recognized	5
Total impaired loans
Recorded Investment	3,368		3,446
Unpaid Principal Balance	3,449		3,511
Related Allowance	61		109
Average Recorded Investment	3,401		3,615
Interest Income Recognized	29		43
Commercial real estate [Member] | Mortgages [Member]
Loans with no related allowance recorded:
Recorded Investment	720		724
Unpaid Principal Balance	763		765
Related Allowance
Average Recorded Investment	723		859
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment	92		92
Unpaid Principal Balance	100		100
Related Allowance	49		49
Average Recorded Investment	92		93
Interest Income Recognized
Total impaired loans
Recorded Investment	812		816
Unpaid Principal Balance	863		865
Related Allowance	49		49
Average Recorded Investment	815		952
Interest Income Recognized
Commercial real estate [Member] | Agricultural Sector [Member]
Loans with no related allowance recorded:
Recorded Investment	1,879		1,912
Unpaid Principal Balance	1,909		1,928
Related Allowance
Average Recorded Investment	1,894		1,903
Interest Income Recognized	24		43
Loans with an allowance recorded:
Recorded Investment	677		718
Unpaid Principal Balance	677		718
Related Allowance	12		60
Average Recorded Investment	692		760
Interest Income Recognized	5
Total impaired loans
Recorded Investment	2,556		2,630
Unpaid Principal Balance	2,586		2,646
Related Allowance	12		60
Average Recorded Investment	2,586		2,663
Interest Income Recognized	29		43
Commercial real estate [Member] | Construction [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Commercial and Industrial Sector [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment	534		538
Unpaid Principal Balance	549		549
Related Allowance	53		80
Average Recorded Investment	536		261
Interest Income Recognized
Total impaired loans
Recorded Investment	534		538
Unpaid Principal Balance	549		549
Related Allowance	53		80
Average Recorded Investment	536		261
Interest Income Recognized
Commercial and Industrial Sector [Member] | Tax-free loans [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Commercial and Industrial Sector [Member] | Agriculture loans [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total impaired loans
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Total Commercial and Industrial Sector [Member]
Loans with no related allowance recorded:
Recorded Investment
Unpaid Principal Balance
Related Allowance
Average Recorded Investment
Interest Income Recognized
Loans with an allowance recorded:
Recorded Investment	534		538
Unpaid Principal Balance	549		549
Related Allowance	53		80
Average Recorded Investment	536		261
Interest Income Recognized
Total impaired loans
Recorded Investment	534		538
Unpaid Principal Balance	549		549
Related Allowance	53		80
Average Recorded Investment	536		261
Interest Income Recognized

Loans and Allowance for Loan_11

Loans and Allowance for Loan Losses (Schedule of Allowance for Credit Losses) (Details) - USD ($) $ in Thousands	3 Months Ended		12 Months Ended
	Mar. 31, 2020	Mar. 31, 2019	Dec. 31, 2019
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	$ 9,447	$ 8,666	$ 8,666
Charge-offs	(6)	(17)
Recoveries	12	57
Provision	350	180
Ending balance	9,803	8,886	9,447
Commercial Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	4,319	4,296	4,296
Charge-offs
Recoveries	11	44
Provision	252	148
Ending balance	4,582	4,488	4,319
Consumer Real Estate [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	2,855	2,408	2,408
Charge-offs
Recoveries
Provision	296	(140)
Ending balance	3,151	2,268	2,855
Commercial and Industrial Sector [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	1,784	1,428	1,428
Charge-offs			(17)
Recoveries	1	13
Provision	171	128	140
Ending balance	1,956	1,569	1,784
Consumer Portfolio Segment [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	41	102	102
Charge-offs	(6)	(17)
Recoveries
Provision	21	16
Ending balance	56	101	41
Unallocated [Member]
Financing Receivable, Allowance for Credit Loss [Line Items]
Beginning balance	448	432	432
Charge-offs
Recoveries
Provision	(390)	28
Ending balance	$ 59	$ 460	$ 448

Loans and Allowance for Loan_12

Loans and Allowance for Loan Losses (Schedule of Allowance for Credit Losses and Recorded Investment) (Details) - USD ($) $ in Thousands		Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Allowance for credit losses:
Ending balance		$ 9,803	$ 9,447	$ 8,886	$ 8,666
individually evaluated for impairment		114	189
collectively evaluated for impairment		9,689	9,258
Loans receivable:
Total Loans Receivable		762,079	751,670
individually evaluated for impairment		3,902	3,984
collectively evaluated for impairment		758,177	747,686
Commercial Real Estate [Member]
Allowance for credit losses:
Ending balance		4,582	4,319	4,488	4,296
individually evaluated for impairment		61	109
collectively evaluated for impairment		4,521	4,210
Loans receivable:
Total Loans Receivable		316,226	311,788
individually evaluated for impairment		3,368	3,446
collectively evaluated for impairment		312,858	308,342
Consumer Real Estate [Member]
Allowance for credit losses:
Ending balance		3,151	2,855	2,268	2,408
individually evaluated for impairment
collectively evaluated for impairment		3,151	2,855
Loans receivable:
Total Loans Receivable	[1]	339,311	339,255
individually evaluated for impairment
collectively evaluated for impairment		339,311	339,255
Commercial and Industrial Sector [Member]
Allowance for credit losses:
Ending balance		1,956	1,784	1,569	1,428
individually evaluated for impairment		53	80
collectively evaluated for impairment		1,903	1,704
Loans receivable:
Total Loans Receivable		100,985	95,211
individually evaluated for impairment		534	538
collectively evaluated for impairment		100,451	94,673
Consumer Portfolio Segment [Member]
Allowance for credit losses:
Ending balance		56	41	101	102
individually evaluated for impairment
collectively evaluated for impairment		56	41
Loans receivable:
Total Loans Receivable		5,557	5,416
individually evaluated for impairment
collectively evaluated for impairment		5,557	5,416
Unallocated [Member]
Allowance for credit losses:
Ending balance		59	448	$ 460	$ 432
individually evaluated for impairment
collectively evaluated for impairment		$ 58	$ 448
[1]	Real estate loans serviced for others, which are not included in the Consolidated Balance Sheets, totaled $162,246,000 and $154,577,000 as of March 31, 2020, and December 31, 2019, respectively.

Fair Value Presentation (Narrat

Fair Value Presentation (Narrative) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, market value	$ 6,640	$ 6,708	$ 6,081
Impaired Financing Receivable, Recorded Investment	3,902	3,984
Related Allowance	114	189
CRA Investment Fund [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	6,113	6,071
Marketable equity securities, market value	6,113	6,071
Regulatory Bank Stock [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Marketable equity securities, book value	734	614
Marketable equity securities, market value	$ 528	$ 637

Fair Value Presentation (Schedu

Fair Value Presentation (Schedule of Assets Measured on Recurring Basis) (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Recurring Fair Value Measurements
Securities available for sale (at fair value)	$ 327,208	$ 314,805
U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	10,528	32,624
U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	61,516	48,626
U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	56,621	60,253
Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	27,115	23,262
Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	62,806	54,880
Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	101,982	88,452
Fair Value Measured on a Recurring Basis [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	10,528	32,624
Fair Value Measured on a Recurring Basis [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	61,516	48,626
Fair Value Measured on a Recurring Basis [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	56,621	60,253
Fair Value Measured on a Recurring Basis [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	27,115	23,262
Fair Value Measured on a Recurring Basis [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	62,806	54,880
Fair Value Measured on a Recurring Basis [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	101,982	88,452
Fair Value Measured on a Recurring Basis [Member] | Equity Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	6,640	6,708
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	6,640	6,708
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member] | Equity Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	6,640	6,708
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	320,568	308,097
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	10,528	32,624
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	61,516	48,626
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	56,621	60,253
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	27,115	23,262
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	62,806	54,880
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)	101,982	88,452
Fair Value Measured on a Recurring Basis [Member] | Significant Other Observable Inputs (Level II) [Member] | Equity Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. Government Agencies [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. Agency Mortgage-Backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | U.S. Agency Collateralized Mortgage Obligations [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Asset-backed Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Corporate Bonds [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Obligations of States and Political Subdivisions [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)
Fair Value Measured on a Recurring Basis [Member] | Significant Unobservable Inputs (Level III) [Member] | Equity Securities [Member]
Recurring Fair Value Measurements
Securities available for sale (at fair value)

Fair Value Presentation (Sche_2

Fair Value Presentation (Schedule of Assets Measured on Nonrecurring Basis) (Details) - Fair Value Measured on a Nonrecurring Basis [Member] - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019
Non-Recurring Fair Value Measurements
Impaired Loans	$ 3,788	$ 3,795
Total Fair Value, non-recurring	3,788	3,795
Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans
Total Fair Value, non-recurring
Significant Other Observable Inputs (Level II) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans
Total Fair Value, non-recurring
Significant Unobservable Inputs (Level III) [Member]
Non-Recurring Fair Value Measurements
Impaired Loans	3,788	3,795
Total Fair Value, non-recurring	$ 3,788	$ 3,795

Fair Value Presentation (Sche_3

Fair Value Presentation (Schedule of Level III Inputs to Determine Fair Value) (Details) - Impaired Loans [Member] - USD ($) $ in Thousands		3 Months Ended	12 Months Ended
		Mar. 31, 2020	Dec. 31, 2019
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Total Fair Value, non-recurring		$ 3,788	$ 3,795
Valuation Techniques	[1]	Appraisal of collateral	Appraisal of collateral
Unobservable inputs - Appraisal adjustments	[2]	(20.00%)	(20.00%)
Unobservable inputs - Liquidation expenses	[2]	(10.00%)	(10.00%)
Weighted Average [Member]
Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]
Unobservable inputs - Appraisal adjustments	[2]	(20.00%)	(20.00%)
Unobservable inputs - Liquidation expenses	[2]	(10.00%)	(10.00%)
[1]	Fair value is generally determined through independent appraisals of the underlying collateral, which generally include various level III inputs which are not identifiable.
[2]	Appraisals may be adjusted by management for qualitative factors such as economic conditions and estimated liquidation expenses. The range and weighted average of liquidation expenses and other appraisal adjustments are presented as a percent of the appraisal.

FINANCIAL INSTRUMENTS NOT REQ_3

FINANCIAL INSTRUMENTS NOT REQUIRED TO BE MEASURED OR REPORTED AT FAIR VALUE (Details) - USD ($) $ in Thousands	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019	Dec. 31, 2018
Financial Assets:
Cash and cash equivalents	$ 23,412	$ 41,053	$ 40,425	$ 41,365
Securities available for sale	327,208	314,805
Regulatory stock	7,222	7,291	6,705
Loans, net of allowance	754,317	744,171	701,249
Bank owned life insurance	29,012	28,818	28,273
Financial Liabilities:
Demand deposits	363,766	363,857	329,007
Total deposits	982,852	974,088	929,801
Short-term borrowings	3,500	200
Long-term debt	71,531	77,872	$ 72,478
Carrying Amount [Member]
Financial Assets:
Cash and cash equivalents	23,412	41,053
Regulatory stock	7,222	7,291
Loans held for sale	2,419	2,342
Loans, net of allowance	754,317	744,171
Mortgage Servicing Assets	691	892
Accrued interest receivable	3,792	3,768
Bank owned life insurance	29,012	28,818
Financial Liabilities:
Demand deposits	363,766	363,857
Interest-bearing demand deposits	28,479	25,171
NOW accounts	95,604	96,941
Money market deposit accounts	140,781	141,649
Savings accounts	222,241	211,285
Time deposits	131,981	135,185
Total deposits	982,852	974,088
Short-term borrowings	3,500	200
Long-term debt	71,531	77,872
Accrued interest payable	485	521
Fair Value [Member]
Financial Assets:
Cash and cash equivalents	23,412	41,053
Regulatory stock	7,222	7,291
Loans held for sale	2,419	2,342
Loans, net of allowance	759,337	759,011
Mortgage Servicing Assets	691	1,049
Accrued interest receivable	3,792	3,768
Bank owned life insurance	29,012	28,818
Financial Liabilities:
Demand deposits	363,766	363,857
Interest-bearing demand deposits	28,479	25,171
NOW accounts	95,604	96,941
Money market deposit accounts	140,781	141,649
Savings accounts	222,241	211,285
Time deposits	135,159	136,781
Total deposits	986,030	975,684
Short-term borrowings	3,500	200
Long-term debt	68,375	76,825
Accrued interest payable	485	521
Fair Value [Member] | Quoted Prices in Active Markets for Identical Assets (Level I) [Member]
Financial Assets:
Cash and cash equivalents	23,412	41,053
Regulatory stock	7,222	7,291
Loans held for sale	2,419	2,342
Loans, net of allowance
Mortgage Servicing Assets
Accrued interest receivable	3,792	3,768
Bank owned life insurance	29,012	28,818
Financial Liabilities:
Demand deposits	363,766	363,857
Interest-bearing demand deposits	28,479	25,171
NOW accounts	95,604	96,941
Money market deposit accounts	140,781	141,649
Savings accounts	222,241	211,285
Time deposits
Total deposits	850,871	838,903
Short-term borrowings	3,500	200
Long-term debt
Accrued interest payable	485	521
Fair Value [Member] | Significant Other Observable Inputs (Level II) [Member]
Financial Assets:
Cash and cash equivalents
Regulatory stock
Loans held for sale
Loans, net of allowance
Mortgage Servicing Assets
Accrued interest receivable
Bank owned life insurance
Financial Liabilities:
Demand deposits
Interest-bearing demand deposits
NOW accounts
Money market deposit accounts
Savings accounts
Time deposits
Total deposits
Short-term borrowings
Long-term debt
Accrued interest payable
Fair Value [Member] | Significant Unobservable Inputs (Level III) [Member]
Financial Assets:
Cash and cash equivalents
Regulatory stock
Loans held for sale
Loans, net of allowance	759,337	759,011
Mortgage Servicing Assets	691	1,049
Accrued interest receivable
Bank owned life insurance
Financial Liabilities:
Demand deposits
Interest-bearing demand deposits
NOW accounts
Money market deposit accounts
Savings accounts
Time deposits	135,159	136,781
Total deposits	135,159	136,781
Short-term borrowings
Long-term debt	68,375	76,825
Accrued interest payable

Commitments and Contingent Li_2

Commitments and Contingent Liabilities (Details) $ in Thousands	Mar. 31, 2020USD ($)
Commitment to extend credit	$ 354,500
Loan Commitments [Member]
Commitment to extend credit	69,700
Line of Credit [Member]
Commitment to extend credit	276,100
Letter of Credit [Member]
Commitment to extend credit	$ 8,700

Accumulated Other Comprehensi_3

Accumulated Other Comprehensive Income (Loss) (Schedule of Accumulated Other Comprehensive Income (Loss)) (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning		$ 116,688	$ 102,802
Balance, ending		116,506	106,858
Unrealized Gains (Losses) on Securities Available-for-Sale [Member]
Accumulated Other Comprehensive Income (Loss) [Line Items]
Balance, beginning	[1],[2]	1,600	(5,678)
Other comprehensive loss before reclassifications	[1],[2]	(274)	2,553
Amount reclassified from accumulated other comprehensive income (loss)	[1],[2]	(223)	(64)
Period change	[1],[2]	(497)	2,489
Balance, ending	[1],[2]	$ 1,103	$ (3,189)
Federal income tax rate	[1],[2]	21.00%	21.00%
[1]	All amounts are net of tax. Related income tax expense or benefit is calculated using a Federal income tax rate of 21%.
[2]	Amounts in parentheses indicate debits.

Accumulated Other Comprehensi_4

Accumulated Other Comprehensive Income (Loss) (Schedule of Amounts Reclassified from AOCI) (Details) - USD ($) $ in Thousands		3 Months Ended
		Mar. 31, 2020	Mar. 31, 2019
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Provision for federal income taxes		$ (358)	$ (462)
Reclassifications for the period		2,165	2,603
Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Reclassifications for the period	[1]	223	64
Unrealized Gains (Losses) on Securities Available-for-Sale [Member] | Reclassification out of Accumulated Other Comprehensive Income [Member]
Reclassification Adjustment out of Accumulated Other Comprehensive Income [Line Items]
Gains on the sale of debt securities, net	[1]	282	81
Provision for federal income taxes	[1]	$ (59)	$ (17)
[1]	Amounts in parentheses indicate debits.

Leases (Schedule of ROU Assets

Leases (Schedule of ROU Assets and Lease Liabilities) (Details) $ in Thousands	Mar. 31, 2020USD ($)
Lease Right-of-Use Assets
Operating lease right-of use assets	$ 864
Lease Liabilities
Operating lease liabilties	$ 872

Leases (Schedule of Opreating L

Leases (Schedule of Opreating Leases Weighted-Average Discount Term and Rate) (Details)	Mar. 31, 2020
Leases [Abstract]
Weighted-average remaining lease term Operating leases	5 years 1 month 6 days
Weighted-average discount rate Operating leases	3.09%

Leases (Schedule of Maturities

Leases (Schedule of Maturities of Operating Leases) (Details) $ in Thousands	Mar. 31, 2020USD ($)
Twelve Months Ended:
March 31, 2021	$ 202
March 31, 2022	206
March 31, 2023	155
March 31, 2024	154
March 31, 2025	155
Thereafter	74
Total Future Minimum Lease Payments	946
Amounts Representing Interests	(74)
Present Value of Net Future Minimum Lease Payments	$ 872

Change in Capital Structure (De

Change in Capital Structure (Details) - $ / shares	Mar. 31, 2020	Dec. 31, 2019	Mar. 31, 2019
Stockholders' Equity Note [Abstract]
Common stock, par value	$ 0.10	$ 0.10	$ 0.10
Common stock, authorized	24,000,000	24,000,000	24,000,000

Subsequent Events (Details)

Subsequent Events (Details) - USD ($) $ in Thousands	1 Months Ended		3 Months Ended
	Apr. 30, 2020	Mar. 27, 2020	Mar. 31, 2020
Subsequent Event [Line Items]
Amount of relief fund		$ 2,000,000,000,000
Eligibility and guidline for PPP loan			an eligible business can apply for a PPP loan up to the greater of: (1) 2.5 times its average monthly payroll costs; or (2) $10 million. The PPP loans have the following terms: (a) an interest rate of 1.0%, (b) a two-year loan term to maturity; and (c) principal and interest payments deferred for six months from the date of disbursement. The SBA will guarantee 100% of the PPP loans made to eligible borrowers. The entire principal amount of the PPP loan, including any accrued interest, is eligible to be reduced by the amount of loan forgiveness available under the PPP, provided the employee and compensation levels of the business are maintained and 75% of the loan proceeds are used for payroll expenses, with the remaining 25% of the loan proceeds used for other qualifying expenses such as utilities.
Subsequent Event [Member]
Subsequent Event [Line Items]
Amount of funds available for PPP loans	$ 349,000,000
Loans approved	78,000
Processing fee	3,100
Subsequent Event [Member] | 618 PPP loans [Member]
Subsequent Event [Line Items]
Loans approved	$ 68,848